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Why You May Need Travel/Tour/Cruise Insurance

It takes the worry out of both the foreseen and unforeseen.
It just makes good common sense to protect yourself.
Because you may get sick or hurt and need medical evacuation.
Because even the best tour companies, cruise lines and hotels sometimes get in financial trouble (i.e. go bankrupt after you have paid for your trip).
Because you may become a victim of a travel scam.
Because the cost is reasonable.
Because it is better to be safe than sorry.

Here are some more concrete reasons:

Evacuation: If you need to be evacuated for medical reasons during your trip and don't have evacuation insurance coverage, you will need to pay for your evacuation. Costs can run from about U.S.$10,000 to over U.S.$20,000. We at Armchair World strongly feel that if you are going to travel where medical care is not at least equivalent to U.S. standards, then evacuation insurance is a necessity.

Accidental Injury: If you are injured on your trip and need medical and/or hospital attention and your private insurance doesn't cover you, travel insurance could help to pay some of the costs. We should note that if this coverage is not sufficient for your needs, you should consider obtaining international major medical coverage.

Trip Cancellation/Interruption: You've booked and paid for a tour or cruise; the tour or cruise company goes belly up. What happens to the money you paid? Travel insurance in many instances could protect part or all of your investment. As another example, you've pre-paid fees for travel and transportation arrangements and you've missed them because of injury, sickness, accident or airline bankruptcy. Travel insurance could help cover non-refundable pre-paid fees and travel costs.

Sickness: What if you get sick on your trip and need to stay in a hospital? If your personal health insurance doesn't cover you, travel insurance could help pay some of the costs. Again, we should note that if this coverage is not sufficient for your needs, you should consider obtaining international major medical coverage.

Baggage: You've lost you luggage; insurance can help pay for baggage replacement.

Get Travel/Tour/Cruise Insurance Information or Policy

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