7 Excuses for Not Buying Travel Insurance

By CruiseRadio

<p style="text-align: justify;">Travel insurance is made&nbsp;for a reason. When I talk to someone going on a trip, the first thing I ask them is if they bought travel insurance? &nbsp;Nine times out of 10 the answer is no. Then they proceed to give me an excuse on why they don’t need it. For some reason they feel like the need to give me an excuse.</p><p style="text-align: justify;">Here are seven of the best excuses I’ve heard for not buying&nbsp;travel insurance – followed by a real life email/story from a listener&nbsp;I’ve gotten to counter their excuse.</p><p style="text-align: justify;"><strong>1. I’m flying in a day early</strong></p><p style="text-align: justify;"><img alt="" style="width: 500px; height: 334px;" data-cke-saved-src="" src=""></p><p style="text-align: justify;">Jason and his wife were flying&nbsp;from Boston to Orlando last winter to catch a sailing on Enchantment of the Seas. He decided to come in a day early. Winter storms shut Boston down for two days. He missed his sailing, lost his non-refundable hotel rate from Hotwire and airfare.&nbsp;He was out of pocket well over&nbsp;of $1,000. All because he didn’t have travel insurance.</p><p style="text-align: justify;">Arriving a day early is always a good idea, especially during winter. However, last winter there were thousands of airline cancelations because of the nasty weather that covered a good part of the country.</p><p style="text-align: justify;"><strong>2. I’m&nbsp;healthy</strong></p><p style="text-align: justify;"><strong><img alt="" style="width: 500px; height: 488px;" data-cke-saved-src="" src=""></strong></p><p style="text-align: justify;">In summer 2013,&nbsp;I was going to Alaska on an adventure cruise. This was all about hiking, paddle boarding and rock climbing. Two weeks before my cruise I took a spill at the radio station and fractured my ankle. I couldn’t do anything on this bucket list Alaska trip because it was all endurance. I spent seven days watching my fellow cruisers live my dream.</p><p style="text-align: justify;">This cruise changed my thoughts about travel insurance. No one is promised tomorrow. The older I get the more I realize how precious life is.</p><p style="text-align: justify;"><strong>3. My job is stable</strong></p><p style="text-align: justify;"><img alt="" style="width: 500px; height: 333px;" data-cke-saved-src="" src=""></p><p style="text-align: justify;">photo credit: flickr/Flazingo Photos</p><p style="text-align: justify;">Bill was a very successful loan processor and he’s had the job for years. He went out all out for his wife’s 50th birthday and booked a Southern Caribbean cruise. He pulled out all the stops. Suite and all. Bill&nbsp;got laid off and wanted to cancel his cruise. The only problem, he was in over $1500 for the seven-night cruise, so he went.</p><p style="text-align: justify;">The right travel insurance policy would have covered Bill for cancelation due to job loss and all expenses around his vacation would’ve been covered.</p><p style="text-align: justify;"><strong>4. It’s too expensive</strong></p><p style="text-align: justify;"><img alt="" style="width: 500px; height: 321px;" data-cke-saved-src="" src=""></p><p style="text-align: justify;">photo credit: flickr/Pictures of Money</p><p style="text-align: justify;">The reasoning that someone will spend $800 dollars on a cruise and not invest $34 dollars in a travel insurance policy to cover the cruise and travel expenses related is beyond me.</p><p style="text-align: justify;">If you’ve been here for a while you may remember when I got stuck in Munich because a bird flew into the airline engine and I had to use travel insurance. Between eating, a taxi to and from the hotel, and the hotel – it was a couple hundred dollars out of pocket. The travel insurance policy was $44 for that trip. Well worth it.</p><p style="text-align: justify;"><strong>5. My bag will make it</strong></p><p style="text-align: justify;"><img alt="" style="width: 500px; height: 333px;" data-cke-saved-src="" src=""></p><p style="text-align: justify;">photo credit: flickr/Nicole Hanusek</p><p style="text-align: justify;">I was flying down to Regal Princess last fall. The airline checked my bag to Fort Myers, Florida instead of Fort Lauderdale. I went&nbsp;down a day early, but that left me high and dry without my toiletries or clothes.</p><p style="text-align: justify;">Coming from experience, the airlines will lose your bag. It’s just a matter of when. The longest my bag has been lost was six days, coming from Mexico.</p><p style="text-align: justify;"><strong>6. The ship can outrun a hurricane</strong></p><p style="text-align: justify;"><img alt="" style="width: 500px; height: 264px;" data-cke-saved-src="" src=""></p><p style="text-align: justify;">photo credit: flickr/kakela</p><p style="text-align: justify;">MaryBeth was planning to get married on the beach in St. Kitts, embarking on Royal Caribbean’s Adventure of the Seas. MaryBeth asked if it was too late to get travel insurance. Once the storm is named – you’re out of luck. It’s like trying to buy auto insurance after you already gotten into an accident.</p><p style="text-align: justify;">The only problem was that a tropical storm&nbsp;had other plans. The storm&nbsp;caused the cruise line to alter their itinerary. The wedding on St. Kitts was canceled, guests who&nbsp;flew in were there with no bride and groom and the whole thing was a mess.</p><p style="text-align: justify;"><strong>7. It’s a waste of money</strong></p><p style="text-align: justify;"><img alt="" style="width: 500px; height: 375px;" data-cke-saved-src="" src=""></p><p style="text-align: justify;">After reading the stories above. It’s my hope that you don’t think travel insurance is a waste of money. For an investment as low as three percent of your trip – it pays to be covered.</p><p style="text-align: justify;">In full disclosure,&nbsp;;is a sponsor of Cruise Radio. However, I’m writing this to educate you and would never recommend a product I’ve never used myself. I’ve used travel insurance twice.</p><p style="text-align: justify;">At the end of the day it doesn’t matter who you book your travel insurance through – just make sure you&nbsp;protect your investment. You can see how affordable travel insurance is by getting a quote on the upper right hand side of the site.</p>
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