Tuesday Tips: Do I Need Travel Insurance?

-_12_-_ITALY_-_holiday_vacation_Salento_(_south_Apulia_)_2_Punta_Suina_(_Lecce_)Like any type of insurance, purchasing a travel insurance policy is a decision that is based a level of risk. Planning a large-scale vacation means that a lot of time, money, and effort will be spent on perfecting travel details. Travelers often times begin planning and saving for a trip a year or more in advance. This is why many people feel it is important to insure their vacations so that they have peace-of-mind with their investment.

With spring break right around the corner, many people may be considering the benefits of purchasing travel insurance. Depending on the details of your trip, you may also want to consider purchasing a travel insurance policy for your vacation.

Here is why some traveler’s decide to get travel insurance:

• Travel insurance may provide you with the coverage you need if you unexpectedly need to cancel or interrupt your travel plans.
• Many people consider purchasing a medical insurance policy for their trip if they are traveling out of the country.
• Baggage insurance is a very popular option for those who worry about their luggage being lost, delayed, or damaged.
• There are several travel insurance plans that include rental car coverage. Otherwise known as collision coverage, you may want to check with your auto insurance agent to see whether your regular auto policy covers rental cars.

If you are thinking about purchasing travel insurance—first consider your destination and how much you will be spending on your vacation. If you are taking a relatively inexpensive trip to Florida, you may not need a travel insurance policy. However, if you are spending St. Patrick’s Day in Ireland and have already spent a large amount of money—travel insurance would definitely be a good option for you. Consider where you are going, what you are bringing with you, and the money you will be spending when you are making a decision on whether to purchase a travel insurance policy.

Happy travels from all of us at Community Insurance & Associates!

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