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Do I Really Need Travel Insurance? Here’s What It Covers & Why It’s Worth It

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Short answer: yes. Long answer: here’s exactly why travel insurance is a smart move—especially for luxury and international travel.

What Travel Insurance Can Cover:

  • Trip cancellation or interruption: Weather delays, illness, family emergencies—these can all derail your plans.

  • Medical emergencies abroad: Your regular health insurance may not cover you overseas.

  • Lost, stolen, or delayed luggage: Replacing essentials adds up quickly.

  • Travel delays: Hotel stays, meals, and rebooking can all be reimbursed.

  • Emergency evacuation: Especially important for remote or adventure destinations.

When You Should Definitely Have It:

  • Traveling internationally

  • Booking non-refundable luxury accommodations or experiences

  • Traveling during hurricane or storm seasons

  • Planning a destination wedding or group trip

My Pro Tip: Book your travel insurance at the time of deposit to get full coverage, including cancel-for-any-reason options. Most insurance companies will NOT let you buy "cancel for any reason" after you've booked (or they give you a window like seven days). 

How the Process Works:

Purchasing travel insurance is quick and simple—especially when working with a travel advisor. Here’s what to expect:

  1. Get a Quote: Once we’ve finalized the details of your trip (dates, destination, total cost, traveler ages), we’ll provide you with a few travel insurance plan options that match your needs.

  2. Review the Coverage: Travel agents aren't insurance agents. We can provide you with the information we're given, but specific questions will need to be directed at the insurance agency. 

  3. Purchase the Policy: Once you’ve selected your plan, we’ll help you complete the purchase online. It only takes a few minutes, and you’ll receive confirmation and policy documents right away.

  4. Keep It Handy: We recommend saving your insurance documents to your phone and printing a copy to pack. If something unexpected happens while you’re away, you’ll know exactly who to call.

In short: travel insurance protects your investment and your peace of mind. It’s not just about what could go wrong—it’s about making sure you’re taken care of if it does.

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