Have you ever rented a car?? You?re ready to pay the advertised price and then they begin asking 20 questions for things ?you might like to add??? It frustrates me every time.? It always feels like someone is trying to get more money out of me and there is really no real benefit in it for me.? I feel like they?re not looking after my interest, they?re just trying to grab more out of my wallet using the fear of something ?might? go wrong.
That?s not how I want this to come across! I do not work for an insurance company and I?m not getting a kick back or commission.? I want to help you weigh out what would be best for you.
There are also a lot of travel insurance companies out there and I certainly can not speak on all of them, so I?m going to take the easy route and speak mostly about the travel insurance provided by CSA Travel Protection, the preferred travel insurance company of Southern Shores Realty.
Why should you consider travel insurance??Is travel insurance worth the extra expense?
Every Travel Insurance company has stories of relatively minor incidents that turn into a major financial loss for the traveler. You don?t have to be involved in a major road accident or robbery to incur substantial costs associated with your loss. For instance, almost any stay in a US hospital will cost a lot of money.
I think if I just share with you what travel insurance covers you might reconsider it?s benefit at such a minimal cost.? Please keep in mind that these details are not comprehensive and for the full details you should read the Description of Coverage we have available as a resource.
Coverage of CSA Travel Proection (Guest Protection Plan 332CSA):
- Identity Theft Protection.
- Rental Car Damage.
- Accidental Death & Dismemberment.
- Medical and Dental Expense, including Emergency Assistance.
- Sickness, injury, or death.
- Mandatory evacuation or public official evacuation advisement.? This can be a big deal on the Outer Banks when vacationing during the months of September to November; we have been known to have a hurricane or two.
- Involvement in a documented accident while en route.
- Interruption of water, electric, sewage, or gas services due to inclement weather or natural disasters that prevent you from arriving or staying at your destination.
- Interruption of road services due to inclement weather or natural disasters.
- Being called into active military service in the event of a natural disaster.
- The school your child attends (primary or secondary) extends its operating session beyond the pre-defined school year.
- Being hijacked.
- Being quarantined.
- Being required to serve on a jury or required by a court order to appear as a witness in a legal action.
- Your primary residence becomes uninhabitable by fire, flood, or natural disaster.
- A transfer of employment of 250 miles or more.
- Trip cancellation or interruption due to a?terrorist act.
- Involuntary termination of employment or layoff.
- Towing up to 5 miles (roughly $2 for every mile thereafter).
- Battery jump.
- Flat tire change.
- Fuel delivery.
- Vehicle winching or extraction (getting the car out of a ditch, mud, etc.).
- Locksmith services.
Again,?keep in mind that these details are not comprehensive and for the full details you should read the Description of Coverage.
Related Articles:
Hotel Room vs. Vacation Home?
How To Book A Vacation With Southern Shores Realty
How To Plan A Family Vacation
Outer Banks Restaurant Tours, Kitty Hawk
Feature image by Terry & Sarah Photography.
Source: http://blog.southernshores.com/2013/01/22/travel-insurance-should-i-buy-it/
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