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Travel Insurance – What It Is & Why You Should Use It

Travel insurance is likely something you have heard about, but maybe not acted on. Maybe you have seen a pop up for it when purchasing a plane ticket or a cruise. It is that additional cost that protects what you are purchasing. Most people don’t know the full benefits of travel insurance and how it may protect your money. Keep reading for a breakdown on what travel insurance really is and why Adams West Travel suggests you purchase it.

What Is Travel Insurance?

Travel insurance is a plan you purchase that protects you from certain financial risks and losses that can occur when traveling. It can protect you from emergencies, cancellations and life’s unexpected events.

Why You Should Purchase It

It can protect your vacation investment – all your hard-earned money going towards the perfect vacation shouldn’t go to waste.

  • Sometimes trips just need to be cancelled – but many travel providers (tours, cruises and airlines) provide little to no refund for last-minute cancellations. Travel insurance may protect you from these cancellations.

Even if you are young and fit accidents happen.

  • There could be a medical crisis, natural disaster, broken bone, stroke, etc. When you have travel insurance you could get a refund.

Your health insurance might not work overseas.

  • If you get seriously sick or injured in another country travel insurance with emergency medical and dental benefits can pay for part of the cost incurred.

If something happens while you are on vacation and you need to fly home most reasons are covered under travel insurance.

  • Maybe a close relative has an accident or gets sick and you need to cut your trip short. Travel insurance can help cover the cost to get back home.

It can cover adverse weather and natural disasters.

  • If you are meant to go to Florida for a week on the beach but a hurricane goes through before you leave, travel insurance can protect your trip cost.

It can protect lost, stolen or damaged luggage.

Wrap Up

It is important to read through all parts of the travel insurance terms and conditions and what it covers before you purchase. There are varies types of plans, so we recommend you read the terms and conditions and understand what benefits you are purchasing to find the best option for you. If you have questions, please ask your travel advisor or the insurance company providing your travel insurance.

There are a lot of what if’s and maybe’s in the world we live in today. Don’t regret not taking advantage of travel insurance just because you are healthy!

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