Greensboro, NC -- Yes, you spend money on vacation, but there is no need to waste it. You only have so much control over your vacation.
So here's the question: Should you buy trip insurance? It's like home insurance, you don't ever think anything's going to go wrong. But if it does, you want to be prepared.
There are different kinds of trip insurance. You can buy trip cancellation insurance, medical insurance and cancel for any reason coverage. Those work just like they sound.
And it just might be the best option for whatever life has in store for you, according to travel agent Shelly Alker with 4 Moons Travel. "The bride found out three days before her wedding that her fiance was having an affair with one of her bridesmaids. And she called hysterical of course, and what we were able to was move that out 8 or 9 months and turn that into a girls' week."
Another thing to take in consideration, the cost. If it's a short trip and the total cost is less than $500, you may not need the insurance. But if you're taking a big ticket trip, the insurance may be a good investment.
Alker says, " We had a client that was booked on a cruise. The client passed away 48 hours before the cruise it was sudden, it was unexpected and the cruise line would absolutely not reimburse them because they did not have the insurance for coverage."
You do have options on where to buy the insurance - through a tour operator or a third party. Medical insurance is something else you should consider. Talk to a travel agent or research online for options.
Alker says for the cost of a few dinners, you can afford the insurance.
Insurance comparison site: www.insuremytrip.com
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