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Trip Insurance – Do We Need it?

Published on October 20, 2014 by admin

trip insurance imageWhen you are vacationing with friends and family in the beautiful Mayan Riviera, splashing around in the warm waves of the Caribbean, or enjoying the white sands of Playa del Carmen, the last thing you want is an accident or serious illness befalling anyone in your group. Include travel insurance in your advance plans and minimize stressful hassles in case of emergency!

Travel insurance is entirely optional but provides peace of mind and prevents travelers from additional costs. Coverage can include flight cancellation, lost luggage, trip interruption and even document replacement. Frequent visitors to Mexico have noticed an improvement in airport baggage handling in recent years, but first-time visitors and those with a non-direct flight may be more comfortable with the security of this coverage.

Medical travel insurance is an absolute must for all ages. Sadly, everyone has heard unsettling accounts of foreigners getting injured while on vacation and then being charged exorbitant fees for necessary medical attention. Advance research and planning can lessen the risk of an unfortunate situation declining from bad to worse! Decide carefully which insurance coverage is best for you and ask questions such as:

• “Does this policy cover any pre-existing health conditions?”

• “Does it include foreign hospitalization costs or medical evacuation?”

• “Does it pay up-front expenses or cash advances so that I don’t have to pay out of pocket?”

• “Is there an emergency contact phone number in English, or are translation services provided for health care services in the destination country?”

Health, life and disability insurance can be purchased through a travel agent, insurance broker, your employer’s insurance company, your bank or your credit card company. Check Travel Advisories and Alerts before your trip, as some insurance policies are null and void if travelers have not heeded warnings of risky travel areas.A travel insurance policy that best fits your family’s needs lets you relax and enjoy your vacation with more confidence! The beach is calling your name!

More information can be found at these websites:

U.S. Passports & International Travel

Government of Canada

Written by Kelly G.

Category: Travel Tips