evan_aggie said:
Travel insurance! That's a very good point. I've never bought it because I honestly thought it's a bit of a scam but sounds like it'd come handy in times like these.
I always wondered how much fighting would be required to cover your real costs or if they have limits. I'll read more closely.
It's an absolute must if you book a vacation or vacation activities that are tied to specific dates (ie, a cruise) or that are non-refundable. I don't always buy it, but the times I have are when I've booked a cruise or a group trip that departs on a specific date. I use a website called insuremytrip dot com. You can buy trip insurance for just about anything, although the cancel for any reason policies have been harder to come by and more expensive post-Covid.
Just some of the the things it can cover (depending on what policy you buy) that some people don't think of:
Having to cancel a trip because of sickness, injury, or death of a close family member.
Having to cancel a trip because of work obligations.
Getting injured on a trip and needing specialized medical care. Health insurance companies sometimes won't pay for this - a good example would be if you get sick on a cruise and have to be air-lifted off the boat.
They also offer plans that cover missed portions of the trip, and they give much more generous allowances than the airlines to for lost/missing luggage.
The cost is typically tied to what "options" you want as well as the total cost of your trip. But if you're spending thousands or tens of thousands of dollars on a trip, the insurance will probably only be a few hundred, which is nothing compared to what you could lose.
The insurance company also expects you to purchase as soon as you make the reservations/pay a deposit. The terms and cost can change if you wait, and waiting until the last minute is going to cause problems.
I NEVER buy insurance from the company I travel with. Our cruises and group travel have been with Disney, and their trip insurance is overpriced crap with tons of exclusions.