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I know that Thursdays are usually travel days for Ol’ Scorp but I was working on something that hadn’t yet worked out when I was writing so I saved it and besides, I like talking about my childhood. But, I want to talk about something in travel today, something very important.

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling. Here are 10 common examples of what could go wrong.

1.    It’s 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?

2.    Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?

3.    Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for assistance in obtaining emergency cash, and how will you get your passport replaced?

4.    You’re involved in an accident and adequate medical treatment is not available. Who will help coordinate a medical evacuation?

5.    If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?

6.    You arrive in Jamaica and your luggage doesn’t. If it’s lost, who will help you find it? If it’s delayed who will reimburse you for covered necessities? If it’s stolen, who will reimburse you for its contents?

7.    Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who is able to assist in getting you to your destination?

8.    You’re walking down a street in Rio and twist your ankle. Who is able to assist you in finding an English-speaking physician?

9.    Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will reimburse you if you want to cancel your trip?

10.    You are at a beach resort in North Carolina, and you are forced to evacuate due to a hurricane which has made your resort uninhabitable. Who can assist you in being evacuated? Who will reimburse you for your lost vacation investment?


Why didn’t I get that insurance!? (photo ©sodahead)

I posted these (which is just the tip of the iceberg of possibilities) to demonstrate the importance of purchasing travel insurance and emergency travel services. I now sell travel insurance and provide you with coverage for your travel needs and here’s the kicker…  I can cover your vacation or business trip even if you didn’t book with me! Of course, I want to sell you a vacation and/or business trips but if you’ve already booked with someone else and still need coverage. Please contact me and let’s get your investment secured.

Some think that it’s a waste of money. I call shenanigans! You and your wife, ages 44 and 40 respectively, book a $9000 trip to Europe and 2 days before you go, well, you trip and break your leg. It requires surgery. Your trip isn’t going to happen. You call the travel pro that booked your trip and you didn’t purchase travel insurance. You know what happens to that $9000? You’re out at least half, if not all, of it. Travel insurance for that would be around $700 or so. Yes, that’s $700 that you’re having to spend on top of your $9000 trip, but now you have to cancel. You’ll get that $9000 back (including most non-refundable deposits). So comparing this, if you’re going to be out of the vacation anyway, and there’s no getting around that situation, then would you rather have lost $9000 or $700. It just makes sense.

Now, for most of my vendors, they provide insurance as an option, and comparatively they’re a cheaper option than independently doing so and I always recommend it. I think it’s just a smart decision. In many cases, a no brainer. So, for whatever reason you need travel or travel-related products, I want to help you. Contact me here, here or here. I know this was long, but I think it was necessary. I’d like to thank AIG/Travel Guard for their list above.

Until tomorrow, same blog channel…
Scorp out!

“Insurance – an ingenious modern game of chance in which the player is permitted to enjoy the comfortable conviction that he is beating the man who keeps the table.” – Ambrose Bierce