Do you need travel insurance for your Hawaii vacation or another trip? If this is a question that follows one step behind forking over your credit card for expensive airline tickets, you’re not alone. I face the same issue on every trip I take. For a ten day trip to New York just completed, I had none. For a longer upcoming trip to Australia, I plan to purchase coverage.
How do you make a decision on whether or not to buy travel insurance, so that it isn’t an emotional knee jerk decision. And if you do choose to buy travel insurance, what coverage do you need and where should you buy it from.
Insurance, be it car, home or trip coverage, isn’t some kind of blanket that protects us and keeps us warm. It is all very specific. Buying without understanding is probably of little to no use such that you might be better saving that money to go out to dinner.
For me, it largely comes down to how much money I might lose in the event I had to cancel for reasons that can be insured. If that is much more than the cost of travel insurance, I typically buy coverage.
Here are our first thoughts. Please click links below.
Travel insurance part 1: Getting Started
- When to consider trip insurance
- What information you’ll need to start shopping
- Basic coverage types
- Trip cancellation and interruption
- Baggage loss, delay, and damage
- Travel delays
Travel insurance part 2: Understanding specific coverages
- Hospital of choice
We’ll have the second installment of travel insurance revisted coming soon. So please stay tuned.
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