Sitting in my warm living room in Chicago, watching the incredible destruction of Hurricane Sandy, I cannot help but feel extreme compassion for those who were in its path and are now digging out and cleaning up. I also think about those who had wonderful travel plans completely thrown up in the air. Cancelled flights, damage to so many areas, a lack of power, and no ground transportation make for a nightmare when it comes to travel.
It’s during these times that I remember how important it is to buy travel insurance when you have invested so much of your hard earned savings that could be wiped away by natural disasters, illness, or other mishaps. I’m traveling for my own wedding in November, and I hadn’t purchased my insurance yet. Well, guess what I did today??? Yes, I bought a policy.
My policy will cover me in case of bad weather or illness cancellations and interruptions, will cover me should I need emergency medical care that my medical insurance doesn’t pick up, and will make sure that I get decent compensation should my luggage be lost or delayed. If I were out of the country and needed to be repatriated due to illness or injury, my policy would cover that as well.
My policy cost a fraction of what I could lose if a natural disaster swept through my destination or made it impossible for me to get there. Keep in mind that not all travel insurance policies are made equal. Be sure to read the small print to get the coverage that you want. There are some very good quality companies out there, and you can research online very easily.
Be sure to purchase from established companies that have good customer service records and easy claims service. I used Allianz, who has been around for quite some time. I was able to enter the amount of money the trip cost, and they provided me with three options of coverage with various benefit levels to match my budget. The process was easy, and now I can rest assured that I won't lose all of my travel funds should something go wrong.
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