Travel Insurance

       Insurance is one of those things you hope you never have to use, but gives you peace of mind knowing it is there if you need it.   Especially for travel outside the US, trip insurance is highly recommended for all.   In many countries your health insurance is not valid, and usually payment has to be made before they provide services or release you from a hospital.   If you are sick or injured, who will assist you in a foreign country?   Travel insurance 24-hour emergency assistance will be there for you.

       Airfare is nonrefundable.   Depending on the carrier or tour operator you may be able to change dates for a fee, plus any differences in airfare.   Some even allow name changes for a fee.   But none will refund you.   If you can't afford to lose your pre-paid airfare, or pay the fees and increases to rebook it, you need insurance.   Hotels in other countries are often booked with full pre-payment and restrictive refund policies, including no refund within the last 30-days for most properties.   If you can't afford to just toss away your pre-payment if an emergency cancels your trip, you need insurance.

       No one books a trip planning to cancel it, but sometimes life events force that.   Without insurance you are not covered for blizzards, hurricanes, illness or death of yourself or a close family member - you take the risk yourself.   If you have insurance and cancel for a covered reason, these fees are covered.   Protect your investment with travel insurance that includes pre-travel cancellation coverage.

       During travel, insurance can help protect you for problems that may occur, such as lost, stolen or damaged luggage or documents.   It also protects you for medical needs, including emergency evacuation.

       Another great feature with travel insurance is the expanded Trip Cancellation/Interruption coverage due to involuntary job loss or layoff!   If you have been employed at your current job for a year or more and have planned a wonderful vacation and get laid off, insurance will now allow you to cancel without penalty.

       While we all hope for the perfect vacation, things can sometimes go wrong. Please protect yourself with travel insurance.   Dawn’s Travel recommends Protect/Assist as good coverage for most needs.   It is one of the best for all-around coverage pre-travel, and during travel.   If you are not certain about which policy is best for you, ask for advice.