Do I really need travel insurance?

Do I really need travel insurance?

Have you ever had something come up unexpectedly that forced you to cancel dinner plans or a weekend getaway? Imagine if it happened just before going on the dream vacation that you’ve spent thousands of dollars on? How would you feel if you could not get reimbursed for the cost of your plane tickets, cruise, tours, or hotel reservations?

Tourists often think that travel insurance is a waste of money. They’ll say, “I’m not going to get hurt or sick on my trip.” Savvy travelers, on the other hand, know that bad things sometimes happen to good people; they plan for the best and prepare for the worst. Having a travel insurance plan that covers you from the time you book your trip until you return home enables you to relax and enjoy the process of planning for your trip. Peace of mind is priceless!

In Chapter 20 of my book, “Travel Tips and Trivia for Savvy Travelers,” I explain why it’s vital to have travel insurance and how to file an insurance claim. I feel so passionate about passing this information along to you that for a limited time I am going to allow you to download a free eBook version of my book to make sure you READ CHAPTER 20!

(Available on Amazon. Paperback: $14.95)


People will often ask, “If I take a cruise to Hawaii or Alaska, my health (or Medicare) insurance plan will cover me if I get sick… right?” 

Not necessarily. What travelers often fail to realize (until it’s too late) is that most cruise ships are registered in a foreign country. So, if your insurance plan does not include coverage for foreign travel you may not have any medical coverage once the ship is (6) hours away from the nearest U.S. port. At that point, you are essentially in the country of whatever flag is flying on the mainmast of the ship.

According to my friend, Linda Bell, who is a field underwriter and insurance broker at Heart to Heart Insurance Agency, LLC, and is a contributing writer for the Spotlight Senior Services and Living Options Guide in Las Vegas, Original Medicare Part A and Part B does not cover foreign travel, except in rare situations. Linda discusses this important topic in her blog post: 

Does your health insurance or Medicare plan cover you onboard a cruise?
(Are you sure?)

Click here to read the article.

And here is Linda’s business card if you have any insurance questions.