It can be quite costly if you travel without purchasing travel insurance, and something happens to you during your travels.
Count  your small investment in travel insurance as a blessing and not a cost (it’s also peace of mind).
I am happy to report that I made the right choice when I purchased my trip insurance back in May.  As you know, I suffered an injury in Bermuda (wrote about it in a previous post), and not only did I suffer an injury, but my camcorder got smashed up too around the lens.  Accidents can happen anywhere, but imagine if I had gone to the hospital and had to pay out of pocket for the ambulance, guess who would have reimbursed me?  My travel protection company!  Luckily, I did not go to the hospital, so I did not have that expense.  However, my camcorder which cost about $469 or so, was fairly new, and therefore, I put in a claim upon my return.  I made a quick phone call, filled out a few forms, and supplied a copy of my receipt to Travel Guard.  Imagine, to my delight, when I received a check in full.  I thought I would have to get a repair estimate, but Travel Guard didn’t ask me for any of that, they just cut the check and I got it within two or three weeks or so of filing the claim.
Additionally, I want to tell you about a client who booked a cruise, and had an emergency come up one week before her scheduled cruise – her aunt had died of cancer. Â Understandably, she could not go on the cruise, and had to attend the funeral (which was scheduled to take place during the same time as the cruise). Â Luckily, she had purchased travel protection from me and she was refunded in full (since she had a reason that was covered, and could be fully documented). Â Remember, certain covered reasons allow a full refund when you have trip insurance, even when you would not get a refund from the cruise line because you are after full payment date (penalty phase).
So, please next time you travel…..whether on a cruise or on a flight, remember to purchase travel protection, and you will be protected.