Top 10 Excuses for Not Buying Travel Insurance

Travel insurance is important and available for very good reasons. When planning a trip, some people do not consider travel insurance or think it’s unnecessary. They each have their own excuses as to why they didn’t include travel insurance or why they think it is not important.

Here are the top 10 most common excuses for not buying travel insurance. A response to counter each one is provided to emphasize that buying travel insurance is one of the most important decisions you should include as part of your travel plans.

1. I'm flying in a day early

Flights get cancelled; delays can last for days. Arriving a day early is always a good idea, especially during the winter. However, with every winter comes the possibility of flight cancellations because of nasty weather that covers a good part of the country.

2. I'm healthy

You may be healthy. So if you’re not worried about yourself, you should be concerned about those with whom you’re traveling.

3. My job is stable

Layoffs happen! Companies get bought, get reorganized, and sometimes go under. Having insurance can cover you in the event of losing your job and having to cancel the trip.

4. It's too expensive

It’s too expensive compared to what? If problems occur before or during your planned vacation will it not be too expensive to lose the money you put into the trip, or even worse, the costs you will incur due to medical-related services?

5. My bags will make it

Bags get lost more often then you realize. 26 million bags go missing every year. That's about 3,000 bags per hour, every day, all year long. Your next vacation could be the one when your luck runs out on bags not being lost.

6. The ship can outrun a hurricane

It’s true that cruise ships take every precaution when it comes to hurricanes but it is in your best interest to have a travel insurance policy that covers disruption in case of weather-related events. And remember, once a storm is named, no coverage can be added.

7. It's a waste of money

Out of 800 U.S. travelers surveyed, 19% had claims in the last 24 months. For an investment as low as 4% of your trip, it pays to be covered.

8. I never get sick

"Sick" happens! Not to mention unexpected accidents. Statistics show that 63% of travelers or traveling companions get sick before and during a vacation.

9. Okay, maybe I'll get sick but I already have health insurance

Most medical health insurance policies or Medicare cannot be used internationally.

10. My credit card will cover it

Be sure you know what exactly is and is not covered by your credit card. For example trip cancellation and interruption are often very limited. It may only reimburse for death, injury, or illness of the insured or family member. And it does not cover medivac costs.

Travel insurance is something you should always include as part of your overall travel costs and your travel consultant can help answer questions and determine the right policy for your vacation. It is something you will be glad you had when the unexpected and unwanted occur on your vacation.

Find out more information about travel insurance at http://www.funfilledtravelers.com/page/7063-Travel%20Insurance.