Some people go generations, or even forever, without getting into an automobile accident. But you still have insurance as a backup, just in case.
You have health insurance - for yourself, your significant other, your children, even for your pets. You would never think twice about going without it, just in case.
Nobody wants to leave their loved ones saddled with the cost of a burial, not to mention other debts. Hence, life insurance, just in case.
That's where travel insurance comes in - as a just in case.
As major cruise lines continue to drop their testing and COVID-19 protocols, they also remain one of the best bargains in the travel industry. Cruises can be as inexpensive or as extravagant as you wish, but either way, you're laying out an investment with your discretionary dollar. So why wouldn't you protect that investment as you would anything else?
More and more consumers are expected to opt for a cruise this winter and into the spring, and that's an investment.
While cruise lines, like the airlines, have their own set of rules when it comes to refunds and who - or what - is at fault in the event of a cancellation or a ruined trip, it's better not to leave it to chance. And it's not just cruising. There are some hard questions you need to ask yourself and not leave it to fate if something goes wrong. The biggest question, of course, is whether you even need insurance. Again, this is a situation that can be as different as night and day for individual consumers, but many people often factor the minimal cost of travel insurance right in with their trip.
International Medical Group (IMG) addresses, and helps you answer, these difficult questions. Like:
-Can you afford to lose your non-refundable, prepaid travel expenses in the case of your trip being canceled due to an unforeseen event such as the death of a family member?
-Are you traveling to a destination that may be affected by severe weather?
-If you were to get sick or injured on the trip, would you be unable to pay out of pocket for the necessary healthcare?
-If your flight is delayed or canceled, would you seek reimbursement for the inconvenience and additional charges such as change fees?
-If your luggage is lost or stolen, could you afford to replace the missing baggage or personal effects?
Look, nobody wants to think about these things in preparation for what is expected to be a fun, happy time. But every year, there are indeed some people who must consider these things. And, ultimately, deal with them.
Let the experts guide you.
Maybe you are in a position where travel insurance is a luxury. Maybe you aren't. Maybe you would just like more information.
As always, it comes down to a simple question - is it better to be safe than sorry?
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