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The Most Expensive Travel Mistake to Make - No Travel Insurance

As a seasoned travel consultant, I constantly get asked by clients one question on a regular basis..."Should I purchase travel insurance?" And my answer every time is a resounding YES! You are about to spend thousands of dollars on a vacation that you may have wanted to take for years, traveling with family or friends and then the unexpected happens. Ouch!!!!

Why choosing the right kind of travel insurance coverage before traveling domestically or internationally is one of the smartest investments a traveler can make. It’s every traveler’s worst nightmare: A good vacation gone suddenly bad.

You may be hiking a beautiful trail in a national park, or practicing your rock-climbing skills, or learning to surf on a gorgeous beach. Then the unthinkable happens: A fall, a head injury, broken bones, or worse. You require a medical evacuation, hospital stay, and, after surviving the ordeal, you are presented with a medical bill for $100,000 - or maybe even a lot more. And the medical insurance you have in your home country? It’s not accepted in your current destination.

Sure, we said that accident was “unthinkable,” but the fact is, huge unexpected expenses can be avoided by travelers who do think ahead. The world of travel insurance can feel complex, expensive, and unnecessary, but not having the right kind of insurance, especially when traveling internationally, can be the most expensive travel mistake you can make. Here’s how to prepare in advance.

WHY TRAVEL INSURANCE IS WORTH THE INVESTMENT

Why do we think of travel insurance as an “investment” rather than an “expense”? Because when you travel internationally, there is a strong likelihood that the medical insurance you have in your home country will not be accepted in the country you are visiting. In some respects, you are paying for peace of mind, of course: Knowing that, in the event that you are seriously injured or ill, you’ll be prepared with a health insurance policy that local medical practitioners and hospitals accept and are familiar with. In some cases, additional travel insurance can also deliver 24/7 emergency service, coverage against theft or loss of travel documents, and even language-translation services.

TRAVEL MEDICAL INSURANCE

For international travelers, “travel medical insurance” is the coverage that ensures that, in the event of a medical emergency in a foreign country, you are not liable for high out-of-pocket fees. It is a short-term, temporary policy covering health, injury, and emergencies. For example, if you are an international traveler planning to visit the U.S., it is recommended that you obtain a U.S.-based travel medical insurance plan, which will be recognized by more doctors and hospitals in the United States, leading to an easier experience in the event that you seek medical care, customer service, or need to file a claim. (Note: Most of the better-known U.S.-based insurance companies do not offer coverage to international visitors - coverage is offered by smaller U.S.-based companies that specialize in international travelers.)

WHAT IS COVERED BY TRAVEL MEDICAL INSURANCE

In general, you can expect a travel medical insurance plan to cover any new illness, accident or injury, medical evacuation, and, in the regrettable event of a death abroad, the return home of the deceased’s remains. Generally not covered are pre-existing medical conditions, routine doctor check-ups, immunizations, pregnancy and childbirth, major dental work, or eye exams.

OTHER TRAVEL INSURANCE OPTIONS

In addition to medical insurance when traveling internationally, “trip insurance” can be appealing to some travelers. This kind of policy allows you to recoup some or all of your expenses in the event that you have to cancel or interrupt your trip, your trip is delayed, you miss a connection, lose baggage, car rental, and other specific instances itemized in your policy. A “cancel for any reason” policy, just as its name suggests, is more comprehensive and allows you to recoup some or all of your expenses if you decide for any reason at all that you need to cancel or postpone a trip. Cruise insurance works in a similar way, giving travelers a measure of security when they book a cruise that ends up being threatened by a significant weather event.

EXPLORE PLANS ONLINE

If you’d like to learn more about travel insurance for travel overseas, or if you’re an international travelers planning a visit to the U.S., InsurTech leader VisitorsCoverage (visitorscoverage.com), provides a convenient one-stop marketplace where travelers can educate themselves about the issues and potential expenses faced by international travel, browse a wide variety of plan options, and get direct links to the U.S.- and international-based insurance companies that offer coverage.

Travel Insurance is not a huge expense when spending thousands of dollars on a dream vacation. We help our clients all of the time with this question and can help you traverse the plans with you so that this is not a burden on making your trip one of the most memorable experiences of your life. Your planning is done, we’ve booked your trip, you are covered, now go enjoy your vacation!

Free Airfare On Norwegian Cruise Lines

FREE AIRFARE, UNLIMITED WIFI & MORE

There's never been a better time to book a cruise than now with Norwegian's Free Airfare promotion. Start planning your next vacation with 200+ cruises to incredible destinations, including Alaska, Bahamas & Florida, Bermuda, Canada & New England, Caribbean, Hawaii, Mexican Riviera and Panama Canal. Plus, choose up to 5 Free Offers and we'll throw in Free Unlimited WiFi.

Free Airfare WhenYou Cruise Norwegian.png
FREE AIRFARE   Guests 1 & 2 enjoy Free or Reduced Roundtrip Airfare. Each cruise destination has different rules on airfare rates as to price reduction or “free air” and are based on originating airport.

FREE AIRFARE

Guests 1 & 2 enjoy Free or Reduced Roundtrip Airfare. Each cruise destination has different rules on airfare rates as to price reduction or “free air” and are based on originating airport.

FREE UNLIMITED WIFI   Ocean-views and above cabin categories also receive 1 free Unlimited Internet package for the stateroom. Share your vacation moments while at sea with unlimited web surfing, social media and email access. It's all at your fingertips.

FREE UNLIMITED WIFI

Ocean-views and above cabin categories also receive 1 free Unlimited Internet package for the stateroom. Share your vacation moments while at sea with unlimited web surfing, social media and email access. It's all at your fingertips.

$50 DEPOSITS   Book a 2019 cruise in a Mini-Suite or below category with just $50 Deposits per person! Lock in these incredible limited time offers on the vacation of a lifetime, and you'll have until 120 days before your sail date to complete the final payment.

$50 DEPOSITS

Book a 2019 cruise in a Mini-Suite or below category with just $50 Deposits per person! Lock in these incredible limited time offers on the vacation of a lifetime, and you'll have until 120 days before your sail date to complete the final payment.

PLUS CHOOSE UP TO 5 FREE OFFERS

START PLANNING YOUR VACATION

So remember when you cruise Norwegian, you get a lot more for your dollar     Unlimited Bar  - Wine with dinner, evening cocktails, morning mimosas. With Free Unlimited Open Bar, Guests 1 and 2 enjoy all the spirits and cocktails, wines by the glass, draft beer, and juice and soda they want.   Shore Excursions  - Dogsledding in Alaska? Sure. How about snorkeling in Belize? You got it. Or mamboing the night away in Havana? That too. Explore more of the shore with a Free $50 Shore Excursion Credit per port, per stateroom.   Specialty Dining  - Take your taste buds on a trip without setting foot on land. With Free Specialty Dining, Guests 1 and 2 enjoy a 3-Meal Specialty Dining Package.   Free WiFi  - Share vacation moments while they’re happening with Free WiFi. Stay connected with friends and family back home while you’re at sea with an Internet Package Time Plan—post, update, tweet, pin and more with 250 minutes you can use anywhere on the ship. Includes one login per stateroom, but choose this offer on select cruises with Free Unlimited WiFi and you'll receive a second login for your stateroom.   Friends & Family  - Invite your friends and family along for the cruise of a lifetime. With Free Extra Guests, Guests 3 and 4 enjoy complimentary cruise fares on select cruises with Free Extra Guests Available.

So remember when you cruise Norwegian, you get a lot more for your dollar


Unlimited Bar - Wine with dinner, evening cocktails, morning mimosas. With Free Unlimited Open Bar, Guests 1 and 2 enjoy all the spirits and cocktails, wines by the glass, draft beer, and juice and soda they want.

Shore Excursions - Dogsledding in Alaska? Sure. How about snorkeling in Belize? You got it. Or mamboing the night away in Havana? That too. Explore more of the shore with a Free $50 Shore Excursion Credit per port, per stateroom.

Specialty Dining - Take your taste buds on a trip without setting foot on land. With Free Specialty Dining, Guests 1 and 2 enjoy a 3-Meal Specialty Dining Package.

Free WiFi - Share vacation moments while they’re happening with Free WiFi. Stay connected with friends and family back home while you’re at sea with an Internet Package Time Plan—post, update, tweet, pin and more with 250 minutes you can use anywhere on the ship. Includes one login per stateroom, but choose this offer on select cruises with Free Unlimited WiFi and you'll receive a second login for your stateroom.

Friends & Family - Invite your friends and family along for the cruise of a lifetime. With Free Extra Guests, Guests 3 and 4 enjoy complimentary cruise fares on select cruises with Free Extra Guests Available.