Top 5 Reasons For Travel Insurance

Travel Insurance

Life is full of surprises and full of unexpected happenings, so why not protect yourself where you can? Travel insurance is something many people overlook or feel that they don’t need—Wrong!

Travel insurance is way more important and more beneficial than you ever thought.

Emergency Situations

The most obvious reasons people think about travel insurance are not always the most common. This includes typical emergency situations like sickness and injury. When you are going on vacation either stateside or to countries abroad, there is always the risk of sickness or potentially injuring yourself. Imagine walking down the beach enjoying your vacation and you suddenly get taken out by a wave (true story!). Now injured, how will you make your flight home? What about the medical expenses you've inccured?  If you've purchased insurance, you can focus on what's most important- getting better.


We all love planning a great trip and vacation for ourselves or our loved ones, but what happens when you need to cancel the trip due to unforeseen circumstances? Without travel insurance, you will be scrambling to get everything cancelled on time before fees are applied, and you’ll want to ensure you get some or all your money back as well. Yikes! What a hassle. Travel insurance takes the fear out of cancellation situations or situations where your dream vacation does not become a reality.

Missing or Lost Luggage Recovery

You finally get to your hotel after the longest day ever of traveling, the baby is crying, you’re exhausted and ready to lounge on the beach. Unfortunately, the airline lost all your luggage and you not only have no bathing suit, you don’t even have comfy clothes to change into and nap! This is when you are wishing you had purchased that travel insurance plan the guy at Starbuck’s was trying to pitch to you.  Having travel insurance will ensure that your bag is hunted down and recovered, and it will be seen to that you are reimbursed for essential items you need to buy to enjoy the remainder of your trip.

Natural disaster

One day the Florida Keys are a beautiful travel destination for thousands of people, the next it’s taken out by a horrifying category 4 hurricane—what do you do? You’ve been saving all year long for this trip and have been dying to experience the gorgeous Florida weather, had you purchased travel insurance back when you booked this trip you would have been able at least to recuperate some of your financial loses.  Buying travel insurance when you book a trip will save you from losing all your prepaid costs and help you re-book another trip to another gorgeous destination that you will be happy with.

Can You Say… Peace of Mind

Lastly, if not anything else, purchasing travel insurance gives you peace of mind. Taking a trip or vacation is an investment and it’s something you should want to protect just like you protect your other investments. Travel insurance is the perfect opportunity to give yourself that extra cushion and peace of mind when you are traveling away from home. You never need to worry about losing your financial investment into the vacation, and you also reap many benefits and services that you don’t have access to without insurance.

Top 5 Big Events Cancelled Throughout History

Ironman Cancellation

There have been many cancelled and postponed events due to awful things: terrorism, inclement weather, natural disasters, disease, and more. The most notorious villains of well-laid plains are Mother Nature and terrorism. We can’t control them; the best we can do is figure out how to adapt. What’s most surprising- these things happen and there is little anyone can do to predict how, why, or when. What we do know is that insurance is the best way to minimize any damage caused by weather.

Here are the top 5 events we’ve compiled that Mother Nature and terrorism ruined… and insurance saved.

#1- New York City Marathon

Since 1970 the New York City Marathon has taken place every year, regardless of rain or shine. Not even the terrorist attacks of September 2001 held back this event from taking place just a couple months later. However, Hurricane Sandy was enough to get this event cancelled in 2012. It was the consensus that it’s not right to hold this foot race through a part of the city that had just suffered so much damage. In addition, why take away the city services from working on storm relief to host this event? The health of the city and the citizens took precedent in this case.

#2- Iron Man Triathlon

Another disappointing day due to things beyond our control was the day the Ironman triathlon in Lake Tahoe was canceled. In September 2014 athletes that had trained and prepared for months and some even a year, were told that they couldn’t perform. What could cancel such a big and important event? The threat of a forest fire located nearby. The land on which this fire preyed had been battling drought conditions for three years, and very little snowpack. There was no way it was going to be safe to have the Ironman race on it was scheduled for in September. Although the athletes were very upset and disappointed they did not get to participate, at least they got to spare their lungs!

#3- Boston Marathon

When weather isn’t the reason things go awry, and it’s because of humans causing terrorism on one another, it’s much more devastating and has evil intent behind it. A prime example of this is the Boston Marathon Bombing that happened back in April of 2013. Two young brothers chose to place two bombs near the finish line of this great race, and three people were killed and more than 260 were injured. It was a horrible and saddening day, as everyone around the world watched everything unfold on TV, it became clear how blatant of an act of terrorism this attack was. When the bombs went off there were still runners participating in the race, and thus the race had come to a screeching halt. This is not the way anyone would have anticipated this event to go.

#4- MLB World Series

Take me out to the… Never mind! Ever set out to a professional baseball game and get worried about an earthquake? Probably not, but you never know what could happen—In 1989 Game 3 of the World Series had to be postponed because of the Loma Prieta Earthquake that affected both Oakland and San Francisco, California. Team member from the Oakland Athletics and the San Francisco Giants were warming up for the big game when, BOOM! An unexpected moment that caused many people not only physical pain, but plenty of financial pain as well.

#5- PGA Golf Tour

The last depressing event that was abruptly cancelled happened because of terrorism. September 11th, 2001 is one of the worst days every American will remember forever, and it essentially caused the entire country to go on hold. Amongst many of the other big sporting events that were canceled were the World Golf Championship on the PGA golf tour. After the shock and devastation of the horrific event, it became clear that the country was going to need some time to digest the events that had taken place on that day. PGA was simply following suit.

These events illustrate just how quickly things can go wrong, at, during, or before a major event. Weather and natural disasters occur on mother nature’s clock and we must expect the unexpected always. When it comes to humans, you never know what to expect, be prepared for anything.