Avoid Travel Calamities; Purchase the Travel Insurance

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Vacationers faced with ruined vacation plans can happen at any time and to anyone.

Should we get the travel insurance?

For people who only bought flights, they will likely need to rely on any insurance they purchased, or contact their credit card company for help.

Each destination brings with it different risks or possible problems. Travel insurance allows you to plan for any unexpected event.

Travel insurance allows you to recoup your vacation costs when a tour is cancelled. So, the idea of travel insurance is a good one.

Purchase insurance directly from an insurance provider rather than directly from the travel agent. If the agent fails, you will have a better shot at making sure the insurance will cover you. Often the insurance offered by the tour operator is "self-insured." This means the insurance is void because the tour operator owned the insurance company.

Make sure you pick insurance from an independent insurance provider.

Make sure you are covered to the full extent. Look for a Cancel For Any Reason (CFAR) policy because it will allow you to recoup as much as 75% of the trip if something drastic happens. You have to buy this at the time you purchase your travel insurance and you must do it within 7-21 days of booking and paying for your trip.

Use the right credit card. Often financial institutions offer travel protection if you use their card to pay for the travel. Look at the fine print and use the card that offers you the best protection.

Escaping to a new destination has some element of risk and anticipation. You can reduce some of that stress by protecting yourself in advance.

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