subject: Why Miami Insurance Agencies Recommend Travel Insurance [print this page] Traveling abroad offers a unique opportunity for emotional and intellectual growth, but as everyone knows, you can't predict that all of the opportunities or events you experience will be benign. There are many things that can go wrong while you are traveling, and unless you have a security net to help you deal with any problem that you may encounter, you are particularly vulnerable because you are typically far away from your normal support system and resources. That's why respectable Miami insurance agencies strongly recommend the purchase of travel insurance.
Why Buy Travel Insurance?
When you travel anything can, and will, happenif you've ever noticed how Murphy's Law seems to be inevitable in most people's lives. For instance, your ticket or trip can be cancelled due to illness, natural disasters, or political unrest. If that doesn't happen, you or your loved ones may suffer from illness, mishap, medical emergency, or lose your medication during the trip. Or your luggage, equipment, and travel documentation could be stolen. For all of these reasons and more, savvy travelers are choosing to protect themselves and their loved ones with travel insurance. In fact, Miami insurance brokers can confirm that according to recent studies, the purchase of travel insurance has significantly increased in the last ten years.
Most Useful Coverage Areas
Here are the areas of coverage that you should consider if travel plans are in your future.
Cancellation/Interruption: This is a great coverage area to have if you're taking a major trip that offers unique opportunities and is very expensive because if you have to cancel at the last minute, or the trip is unexpectedly interrupted, you won't lose your money. On the other hand, if you're catching a routine, $100 round trip flight to somewhere you've been a million times and it won't matter if you're delayed, the coverage cost may not be worth the potential benefits.
Luggage: Luggage coverage is often included in cancellation/interruption policies, but if it's not, or if you don't want anything other than luggage coverage, having protection for lost, stolen or delayed luggage is mainly important if you'd be seriously distressed by not having your possessions on time, or if the bags include things that are difficult to replace or medically necessary, like medications or expensive equipment.
Health: Most U.S. health policies don't cover out of country care, or if they do, they typically severely limit the type of care and services that they cover. Whether you have a medical emergency, or just a distressing case of the travel bug, your health coverage is not something you want to be worried about when you're trying to enjoy a relaxing trip. So getting a little protection and peace of mind is well worth the cost of the extra coverage.
If you're planning a trip in the near future, why not contact one of the reputable Miami insurance agencies and find out which coverage is right for you? It will go a long way in ensuring that your trip is the best it can be.
by: Frank Kremlin
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