So why is insurance so important? Check out Peter Greenberg's advice. Though the article is a couple of years old it is still relevant. Maybe even more so with the steady decline of airline service and increase of fees!
Maybe I'm extra cautious from personal experience with all types of insurance, but I always get it. (living in south Florida we had 5 car accidents in 2 years, only 1 our fault...my health insurance hates me I think) Luckily I've never had to make a travel insurance claim, but the peace of mind is definitely worth it. I have heard some horror stories from people who did.
My personal top reasons to buy travel insurance.....
Medical coverage
It's not just for old people! One couple on vacation in Greece found themselves needing emergency medical attention when the husband slipped and hit his head on a rock during a shore excursion. This will also cover you if you need assistance replacing your prescriptions, or if you personal health insurance does not cover you outside the U.S.
Lost or delayed baggage
The airlines lose an average of 10,000 bags PER DAY! Yep, not a year. It's still a small percentage of the total amount of luggage handled, but it still sucks when it's yours. What happens when your bags are delayed and you're hopping on your cruise ship in a couple of hours. Who's going to reimburse you for all the clothes you have to buy till you get back? (Well, let's hope you're not in this situation b/c you've also taken my advice to never fly in on the day of sailing, but that's another blog)
Travel Guard covers your kids free!
pretty self explanatory, you can't beat free.
Hurricanes
Cruisers biggest fear behind 'not being able to drink all that water'. Get your money back, not just a cruise line voucher in the event your trip is canceled.
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