Should you purchase travel insurance?

Wednesday, August 3, 2011 - 5:46pm

On your cruise vacation, you end up getting thrashed about and the question comes up, “Does my travel insurance cover bad weather?"

The answer: probably not!

Jeanenne Tornatore with Obritz.com states, "A lot of times, traveler's insurance will not cover natural disasters, which includes hurricanes, so make sure that you're just well aware of what you're paying for."

Cruise ships, though, have really good satellite technology, and they'll just change the itinerary.

But even heading to a tropical resort during the busiest time for hurricanes, travel insurance can be doubly important provided you have the right policy.

Gabe Saglie at TravelZoo says the more expensive a vacation, the more attractive travel insurance becomes.

"Definitely read the fine print... there are a lot of travel options out there that may not cover certain aspects of weather delays or may not cover weather at all," state Saglie.
"If you look at about a $1,000-$1,500 trip, you're looking at travel insurance that can cost you anywhere from $70-$100 on top of that trip."

In that regard, he says, travel insurance is like any insurance: you buy it, but hope you never need it.

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