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Informative Articles

A TIME-TRAVEL POSTCARD...
(c) Theolonius McTavish 2004. All rights reserved. Seeking a spot of serenity somewhere in the universe, I recently booked a deep-discount dodgy berth on the ‘White Elephant Express Space Shuttle’, to a little known place in a galaxy far, far...

Identity Theft Protection and Awareness for Travelers
Identity Theft is one of the fastest growing crimes of the 21st Century. As a traveler, you should know the unobvious ways that you can become a victim of this serious crime and how you can protect yourself and your family. Travel plans are...

Safe Travel In The US
Tips for traveling safely in the US Are you planning to spend your vacation in the United States of America? Have you processed your legal documents and all you're waiting for is to go aboard the plane and start the dream journey of your...

The Ultimate Traveler's Day Dream Come True
More than a few times, I've caught myself sitting at work day dreaming about dropping everything and just jumping on a plane. In October of 2003, I did just that. Life can grind you down when you get in a rut. In my case, I had a particularly bad...

Travel Tips - Bringing An Alarm Clock
Travel Alarm Clocks - Your Traveling Companion A traveler may experience an uncomfortable feeling especially if he's in a place with a different time zone than they have back home. Every traveler needs his own alarm clock. Whether you are on...

 
Should You Purchase Travel Insurance?

The determination of whether you should purchase travel insurance is a determination of whether you want to assume nothing bad can happen during your travels, or whether should something bad happen you can adequately resolve these unforeseen events.

None of us think something bad will happen. We assume incorrectly that fire, flood, earthquake and terrorism will happen to others. We assume we won't have a heart attack or stroke, we won't be felled by illness. We assume wrong.

The question, "should you purchase travel insurance" is perhaps answered by asking yourself why you purchased homeowners insurance, or medical insurance or life insurance. You purchased them so that your consistent small payments would assure you of having someone else provide help in case of a catastrophic event for which you are unprepared. Purchasing travel insurance, just like purchasing any other insurance, is not just about receiving the funds to recover. It's also about having the professional assistance of those who know what has to happen for you and your family to recover, and who do make that happen. It's about cooler heads prevailing.

Should you purchase travel insurance? Well, let's look at a few things that could, and do happen, to overseas and even domestic travelers. Then, you decide if you should purchase travel insurance.

You're from Minnesota. You've never been to the ocean. You book a hotel room in Florida for a week but you are then ordered to evacuate due to an expected hurricane. But you have non-refundable


airline tickets, and your hotel and rental car are already paid for. How do you replace the airline tickets and get reimbursed for your stay? If you had known this was going to happen, what would your answer have been to the question, "Should you purchase travel insurance?"

You're on an island in the Caribbean, ready for your cruise back home. You find out that the cruise ship company has gone bankrupt and there will be no return cruise. What do you do? How do you get your money back? Most importantly, how do you get back home? If you had known this was going to happen, what would your answer have been to the question, "Should you purchase travel insurance?"

You're ready to take your family on a much-needed vacation to Hawaii. Your daughter is felled by an attack of appendicitis and must have immediate surgery. But your airline tickets are non-refundable. How do you get your money back? If you had known this was going to happen, what would your answer have been to the question, "Should you purchase travel insurance?"

Steve Cogger is an avid traveler offering a wealth of travel information. For more information on travel insurance visit thehttp://www.1-Happy-Traveller.com" target="_blank">1 Happy Traveller website.
About the Author

Steve Cogger is an avid traveler offering a wealth of travel information. For more information or to purchase travel insurance visit http://www.1-Happy-Traveller.com .