Travel insurance is one of those things people THINK they don’t need…until they do. Here are some scenarios that’ll make you think twice before passing on it the next time you book a trip:

Life is Unpredictable

We never book a vacation with the plan of canceling, but unfortunately, life happens. Maybe the destination wedding you’re attending was canceled or the hotel you’re staying at was recently damaged by a natural disaster. Maybe, you get a new job and can no longer take the time off. These types of scenarios aren’t something you can predict. Travel insurance that includes a Cancel for Any Reason waiver protects your vacation investment in case your plans suddenly change, and you are no longer able to travel.

Financial Hardships

Imagine if you or your spouse lost their job and could no longer afford the fancy trip you had planned –eek! Unfortunately, most all-inclusive resorts and flights are pre-paid and non-refundable, leaving you feeling helpless when a refund isn’t granted when you need it most. Luckily, most insurance plans will cover the entire cost of your trip and allow you to reschedule for a time when you’re back on your feet.

Medical Emergencies

Say you become sick unexpectantly prior to your trip and have to cancel. Or perhaps, you get sick on vacation and need to visit a doctor or purchase medication. Your usual medical insurance will most likely not cover your treatment expenses while traveling internationally. The same is true if you have an emergency back home and have to travel home early. Travel insurance companies, such as Travel Guard have plans that cover all those medical expenses, so you don’t have to pay out of pocket or pay for your trip if you need to cancel or your trip is interrupted.

Inclement Weather

Mother Nature isn’t always mindful of your vacation plans. If a hurricane is headed for your intended beach destination or a blizzard causes your flight to be delayed or canceled, you’ll have your travel insurance to fall back on. Unfortunately, it isn’t the airline’s responsibility to cover the cost of your missed connection or delayed flight. An insurance plan puts you in charge of deciding whether to travel or not in these situations. You can cancel knowing you’ll receive a full refund. With travel insurance, you’ll be reimbursed for rebooking fees, meals, and even accommodations if the weather isn’t in your favor.

Lost or Stolen Luggage

It isn’t uncommon for bags to get lost in transit, especially if your journey involves multiple connections. For this reason, travel insurance is a no-brainer, as it’ll cover anything that was lost along the way. It’ll even reimburse you if your personal belongings were stolen *knock on wood*.

These are just a few reasons travel insurance is important to take advantage of the next time you travel. Keep in mind, the cost of travel insurance is not refundable, but I wholeheartedly believe it’s worth every penny for peace of mind!

We recommend and use Travel Guard for insurance when we travel. Travel Guard is one of America’s leading providers of travel insurance plans and assistance services and is available to help you 24 hours a day, 7 days a week.

For more information on travel insurance plans and pricing, follow this link, then answer a few questions about your trip. Travel Guard will provide a custom comparison of insurance levels. The Preferred policy is the most popular but choose the one that works best for you. Cancel for ANY reason is an option you can add to the policy you choose. If you do not have “cancel for any reason” added, you’ll be allowed to cancel for covered reasons only. With travel insurance through Travel Guard, you’ll have valuable coverage that travels with you and your family.

Affiliate Disclaimer: I’m proud to be an affiliate partner of Travel Guard. If you purchase a Travel Guard policy in the future, I may receive a commission but at no extra cost to you.