Friday, January 16, 2009

Trip Delay Insurance - Here's why...

Here's a little story about my friend's 'almost' trip to Reno...

A few weeks ago, friends of mine bought a package to Reno. They purchased insurance, as I had explained to them in the past, how important travel insurance can be. Two other couples joined them, but decided they didn’t want to pay the additional nominal amount for insurance.

Their flight was scheduled to depart earlier today from Bellingham. Since it’s been foggy on the West Coast for the last few days, their flight was initially delayed then CANCELLED. For my friends, who bought insurance, this became a minor inconvenience - they’ve still only gone as far as exotic Washington, but they are comfortable with this because at least they have no additional financial burden – Trip Delay insurance is picking up the tab for their meals today, their hotel tonight, and their flight tomorrow.
The couples who declined to purchase insurance are on their own for costs.

Insurance isn’t needed very often and it’s frequently seen as an unnecessary charge that can be avoided. However, since weather is completely unpredictable and a covered reason for insurance to kick in, why would you travel anywhere during the months of December to February without it?

Here’s a tip for you too – if you’re the type of person that’s ‘going no matter what’, or has booked the trip last minute, chances are you won’t be canceling your trip. Insurance can be purchased to exclude the ability to cancel (and this is the most expensive part of the insurance!!), but you'll still have coverage if your trip is delayed.

Insurance is complicated, but as I’ve nearly learned the hard way, it’s an important part of your holiday package.
Call or email me if you’ve got questions or need insurance for your next trip.

A little insurance can prevent a lot of headaches!


Update as of Jan 18 - Some additional flights to San Francisco were cancelled yesterday, but the flight to Reno left as (re)scheduled. Hopefully they are making up for lost time by winning a bundle at the casino!!

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