Let me start by admitting, I am not an advocate of travel insurance. Investing an extra 5 to 10 percent to my travel budget just to protect a deposit for a trip I have every intention of taking doesn't seem logical to me. Traveling stirs my soul. It keeps me grounded and sane in an insane world. Why would I want to pay extra for something, nothing, short of dying, would keep me from anyway?
We are not talking about health insurance; that is a whole different beast. I'm talking about insuring the cost of your trip in case you can't make the trip for some inexplicable reason. Well, I have found a few exceptions in which I would purchase insurance.
The Very Short List
1. You have booked a once-in-a-lifetime holiday cruise many months in advance. This safety investment may seem simple to you, but I still struggle with letting go of the loot.
2. Illness; if someone in the traveling party has been recently battling illness or recuperating from a major surgery, then the idea of foregoing the trip for health reasons is reasonable.
3. If the trip includes extended family surrounded by an event such as a wedding, reunion or the Super Bowl then insuring the cost might make sense.
That's about it. Most everything else can and should be handled by a different means. Insurance is intended for for catastrophes not inconveniences. How do you think Snoopy fuels the Met Life blimp? I've said my peace.
Pick of the Day(4-1-0)...Cardinals/Reds U9.5
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