Liba Cohn, Travel Insurance, Its a Spiritual Thing

[william romsay]

Liba Cohn,   Travel Insurance, Its a Spiritual Thing

Liba Cohn
Liba Lyustiger
Lillian Sarah Lyustiger
lillian sarah cohn
sara lyustiger
natalija lyustiger
cohn lyustiger
sarah lyustiger


Travel Insurance is the last thing many of us think about before a vacation.
You feel relief once the trip is paid for. Then you start saving the
"spending money." By the time, you decide where to go, when to go, where to
stay, which flight or cruise to take, you just don't remember "travel
insurance" and this could be a huge mistake for all of us.

We invest in a trip to far away places, we carefully purchase new clothes,
sun glasses, new luggage, new underwear, and other accessories only to leave
ourselves wide open for disaster and lost of money if any of the following
events were to occur: Tour company operator decides that she needs a tummy
tuck, at your expense, or the tour company disappears, or the Airline goes
bankrupt or on strike, or the hurricane of the century, named after your
ex-wife, makes a left turn and heads straight for your travel destination,
or a part of California falls into the ocean due to an earthquake and this
action upsets the rest of the oceans in the world, civil unrest in the
Middle East when they find out Hilary might be President, extreme flight
delays, illness during the vacation because you drank the water, and the BIG
one, terrorist attack, not to mention if you loose your passport, or worst,
the ocean rises up and claims the beach front where you are staying.

All jokes aside, you can purchase travel insurance for protection against
trip cancellation, trip interruption, missed connections, airline ticket
coverage, medical expense, emergency medical transportation, baggage,
baggage delay, accidental death and have 24 hour travel assistance service
available to you from any where in the world.

The "Real" Reasons to purchase Travel Insurance

OK, enough of the negative. I'm sure you get the point. However, there is a
more important reason to purchase Travel Insurance; It protects your assets
back home if something were to happen during your trip.

Example: What about senior citizens who have waited their entire life to
travel only to find out that Medicare will NOT cover anyone outside the
United States! Can you image spending a sizable amount of your retirement
income to pay medical bills in a foreign country? There are Major Medical
Polices for travelers (including seniors) who are going abroad for at least
6 months and require more permanent insurance. These plans provide
comprehensive medical protection including emergency medical treatment,
wellness care and optional prescription drug coverage.

Example: People who had travel insurance had an entirely different
experience when Emily (Hurricane) hit the Mexican Yucatan in July of 2005.
First, everyone called and went to the airport trying to catch a flight out.
At some point, there were no more flights out, there were only buses moving
thousands of tourist inland away from the storm. Those with Travel Insurance
were not concern with "cost" (I am sure it was enough just to worry about
your life) realizing that they would be reimbursed through their Policy.
Those without Insurance needed to be concerned with the cost of
accommodations and food until Emily got a better attitude. For sure, many of
the tourist without travel insurance had to spend a portion of their
upcoming monthly budget before making it back home safely. (I wonder what
happen to those who had reached their limit on the credit cards) We won't go
into what happen to the tourist that were staying in small hotels when
Katrina hit town!

Another example of the "real" reasons to purchase Travel Insurance, you are
skiing in the Alps, you are dogging the moguls (or they are dogging you) and
you slip in the turn. No real problem, but you have to be airlifted to the
nearest hospital to have x-rays taken. The cost of the airlift? Who pays?
You do, if you don't have the proper (travel) medical insurance or accident
insurance. (Will paying for a helicopter ride to a hospital upset your
monthly budget back home?)

And what about the classic example? You leave your money pouch with your
credit cards and your Travelers Checks in the cab on the way back to your
hotel. It happens all the time. No insurance, No reimbursement.

Important Information:

Please note, this is EXTREMELY IMPORTANT: With the majority of the Travel
Insurance companies, you MUST apply for the default, terrorism insurance and
pre-existing insurance WITHIN 10 days of the initial booking of your trip.
Bottom line, you can't wait until your destination is on the US State
Department's Travel Warning List to purchase Insurance.

The less you have to worry about on vacations, the safer you will be. When
traveling outside of the US, a good deal of your attention must be given to
reviewing your surroundings. Always be aware of your surroundings.

Enough of the examples. If you protect yourself and your investment, you
probably won't need the Insurance Its' almost like the Insurance Companies
put an invisible "umbrella of protection" around us, just so they won't have
to pay or is that our prayers keeping us safe?

This article was written by Cassandra Ingraham, webmaster for  a site where
travelers have saved hundreds of dollars on consolidated airfares and can
link to dozens of travel insurance companies to compare benefits.
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