Travel insurance (sometimes called travel protection) is one of those things that people think they don’t need – until they do. We recommend it for everyone traveling internationally and we personally purchase it for all of our trips. In fact, since we travel so frequently we have a yearly travel policy.
There are lots of options for travel insurance and depending on the option you select, it could cover between 75% – 100% of your trip’s cancellation, plus many other things, like baggage delays and flight delays.
Travel insurance could even cover accidents that happen during travel and on your vacation, like a broken ankle for example. Slip and falls are the number one most common accident that occurs on vacation, followed closely by road and water accidents.
Can you purchase travel insurance from your travel agent, like Yellow Umbrella Events? Not unless they have an insurance license! Did you know that you are legally required to have an insurance license to sell travel insurance? Most people don’t realize this. Since we’re not licensed insurance agents Yellow Umbrella Events can not directly sell travel insurance or give specific answers about travel insurance coverage or policies.
We are more than happy, however, to recommend a travel insurance company, that we have been happy with, based on our personal experience. Who do we personally purchase our travel insurance policy from? A company called Travel Insured.
The easiest way to receive a quote from them is to click HERE.
You’ll just answer a few questions about your trip and then you’ll receive policy options and pricing. The quote will give you 2 different plan options (Worldwide Trip Protector Plus & Worldwide Trip Protector) as well as optional add-on coverage for other areas of your trip that are found at the bottom of the page
The “Worldwide Trip Protector Plus” policy option includes CFAR (Cancel for Any Reason). It’s important to note that you must purchase this travel insurance within 21 days of making your initial travel reservation.
The “Worldwide Trip Protector” policy, which does not include the CFAR option, can be purchased any time after you booked your travel reservations, but this policy will not cover the Pre-Existing Condition Exclusion Waiver or the Bankruptcy/Default of an airline, cruise line, tour operator or other travel providers.
However, you can still cancel your travel plans for a covered reason (definitely check out the covered reasons directly with Travel Insured to learn more about what is covered) and potentially get up to a 100% refund of your lost travel expenses, as long as it’s a covered reason.
As a traveler, you are able to purchase travel protection through any entity that you choose and purchase any travel policy that makes sense for you and your travel plans. We strongly suggest that you call and verify what each policy covers if you have any questions. You can reach an insurance agent at Travel Insured at 1-800-243-3174.
Not purchasing travel insurance could result in the loss of your travel cost and/or require more money to correct the situation. Without proper travel insurance there may be no way to recoup any losses, costs, or expenses incurred from cancelling your travel plans.
Don’t think you need travel insurance? Think again! We have hundreds of travelers each month and we have seen and heard so many reasons for cancellations before travel and have seen so many on site medical incidents that were (or would have been) covered by travel insurance.
Here are some of the real life reasons that a few of our clients have had to cancel their travel plans in just the last couple of months –
- Father in law had a heart attack
- Father died
- Had covid symptoms the night before travel (was later determined that they had covid)
- Home was destroyed by a hurricane
- Childcare fell through
- Sudden marital separation
Thank goodness, some of these travelers had travel insurance and were able to file travel insurance claims that will be covered but some of these travelers, sadly, did not.