While the purchase of a travel insurance policy is an idea worthy of consideration for anyone planning a trip, it’s especially important for those who will be traveling with their family. Children, especially young ones, pose a unique set of risks that can affect your travel plans in an instant. One of the kids coming down with a common illness such as the chicken pox, for example, can put an immediate halt to your long-conceived and expensive vacation plans. Fortunately, travel insurance options include protection from financial loss as a result of having to cancel a trip due, not only a family member’s illness or injury, but for any reason whatsoever.
When traveling with family members, any unexpected trip interruption is magnified. If your plane is grounded, say, because of bad weather, you may have to wait for days to be on your way. With the recent eruption of an Icelandic volcano closing the skies all over Europe, hundreds of thousands of travelers found themselves stranded in airports around the world. TV footage of all those people, including many families, hunkered down in airport corridors awaiting outbound flights presented a clear and compelling advertisement for the benefits of having good travel insurance.
Travel insurance choices include not only the wide range of companies offering this type of protection but also a great array of specific benefits available in different policies sold. With a travel interruption benefit in place, food and lodging costs during the time grounded would be reimbursed so, rather than having to spend your time eating and sleeping in an airport somewhere you could be staying at a nice, nearby hotel awaiting the news of resumed flights. Non-refundable expenses for missed hotel reservations, rental car reservations or even tickets for a concert missed as a result of a trip interruption may also be reimbursed through appropriate travel insurance.
Families with good stateside major medical coverage will most likely be unable to use that coverage once abroad and should most definitely consider travel insurance choices including medical cost benefits and medical repatriation coverage. There is a long list of benefits that can be added to a standard travel insurance policy and the list continues to grow in this very progressive industry. Understanding exactly what benefits are most needed by your family will take some thought and consideration.
One of the most critical elements of a good travel insurance package is something sometimes overlooked but almost always included automatically. This is the 24/7 emergency assistance number that you can contact to help with just about any kind of problem you may possibly encounter during your trip. If your policy doesn’t include this feature, find another.