Do I really need to purchase Trip Insurance?

When I am planning a trip for either myself, my partner, a family member, friend and or client, I always bring up this issue.

I have noticed that there are a growing number of articles and news reports about this trip insurance.  I can’t recall one article that advised not to consider taking out some form of trip insurance. It is extremely important to understand the various products that are being offered.

Many established Land Tour Operators and Cruise Lines offer some form of travel insurance, and each one is slightly different. I am not a insurance broker, but as a Travel Agent, it a sector within the industry I must be aware of.

Yesterday, I posted the basic information that the tour operator “Travel Impressions” offers. Of all the many insurance programs that are offered, this particular program is unique. Should you purchase a Travel Impressions travel product AND their Trip Insurance you can cancel the trip for any reason before the scheduled departure date and still receive a full refund, less the cost of the trip insurance.   Their trip insurance includes medical coverage but the coverage is relatively small.

Therefore I suggest that you supplement the insurance with additional coverage from another firm that we use, Travel Guard. The cost of a particular travel insurance policy depends upon the non-refundable costs of your trip plus your age.

Below you will find the differences in the kinds of coverage available.  Notice that for medical coverage, and other possible out of pocket expenses, Travel Guard does offer higher coverage. Only you the consumer can determine how much you are willing to cover any additional possible costs.

The question you must ask yourself, and you can also do your own research, is this worth it to you. What should happen if “something happens?”.


All coverages are per person.

Maximum limit
Trip Cancellation Trip Cost*
Trip Interruption 125% Trip Cost*
Trip Interruption–Return Air Only $1,000**
Trip Delay (Maximum of $100 per day) .$500
Missed Connection .$250
Baggage & Personal Effects Loss $750
Baggage Delay $200
Medical Expense $20,000
Emergency Medical Transportation .$100,000
The following non-insurance services are provided by Travel Guard Assist:
Travel Guard Included
LiveTravel Assistance .Included
Concierge Services Included
Optional Coverages
Car Rental Collision Coverage $35,000
Additional Optional Coverages
Umbrella Package Includes:
Medical Coverage Additional $20,000
Emergency Medical Transportation Additional $100,000
Primary Medical Coverage Included
Enhanced Emergency Medical
Transportation Coverage Included
Detailed Pre-Trip travel advisories Included
*Coverage only included if the required premium has been paid.
**Applies if $0 Trip Cost option was selected at time of purchase.

If insurance is purchased within 15 days of the “initial Trip payment”:

Pre-Existing Medical Condition Exclusion Waived

This is applicable to all coverages contained in the policy. The Insured must be medically able to travel when he/she pays his/her premium. In the event that a claim is filed, the Injury or illness must be substantiated to our Claims Department.

Coverage for Financial Default

The Financial Default must occur more than 14 days after your effective date of coverage.


The Insurer will not pay for loss or expense incurred as the result of Injury, Sickness or other condition of the Insured, a Traveling Companion, or an Immediate Family Member of the Insured or Traveling Companion, which, within the 180 day period before the Insured’s coverage began: (a) first manifested itself, worsened, became acute, or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) required treatment by a Physician or treatment had been recommended by a Physician. The Insurer will waive this exclusion if the Insured meets the following conditions:

  1. The Insured purchases the plan within 15 days of making his/her “initial Trip payment”;
  2. The amount of Trip Cancellation coverage purchased must equal the full cost of all pre-paid non-refundable Trip arrangements;
  3. The Insured must be medically able to travel when he/she pays his/her premium.
  4. Applies to the first $25,000 of Trip Cost per person.

If you have any questions I will be happy to answer, as best I can, your questions. If I cannot “on the spot” answer your question, I will find the answer and get back to you as soon as possible.

Click here to view the entire explanation of coverages with  Travel Guard through Rich Worldwide Travel Advantage.