The 60 Second “Circle of Safety™”

An Online Newsletter for Friends of Southern Risk Services Insurance

“Protecting What Matters Most”

 




Vacations: Is It Time To Take Cover?

'Flu scares, terrorist threats and their knock-on effect on airport security have tripled the number of people taking out travel insurance in the US in the past 10 years. But the total still only adds up to 30% of travelers. And, with the vacation season looming, you might be wondering if travel cover is something you should be thinking about. Unlike many other types of insurance, this is a yes-and-no issue. There are definitely times when you need cover and other times when you don’t.

Here are the things you need to think about:

·         There are several different risks you can cover: health, delays and cancellation, lost baggage, travel company bankruptcy and all-inclusive policies.

·         Some of these may be covered by other policies you already hold – like health or lost baggage, which you may get on your household contents policy.

·         While many auto insurance policies cover car rentals, certain countries and/or risks may be excluded. Double check them.

·         Will you be traveling to a country where there have been tourist-terrorist incidents that might lead to non-travel advisories? Take out insurance.

·         How much is at risk? Obviously the more you pay upfront (or are liable to pay for short notice cancellation) the safer it is to insure.

·         Are your upfront costs refundable if something prevents you from traveling?

·         How long and complex will your trip be? The more you plan to do, the greater the risk that something could go wrong.

·         When will you go? Again, the greater the amount of time between now and when you travel, the greater the possibility of a hiccup in your plan.

 

You probably don’t need travel insurance for short, domestic trips, with hand luggage. But, anyway, why not call us and arrange to discuss your needs and plans? Thanks for reading and have a Safe Trip where ever you go!

Terry Young
President
Southern Risk Services, LLC.
Email: ty@southernriskservices.com
Phone: 1-877-222-UROK (8765)


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Posted 8:53 AM  View Comments

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