There are plenty of things you need to take care of when you travel to Ireland. Is your passport up to date? Had all your shots? Made sure you didn’t pack anything that will cause security concerns? But here’s one many people don’t give enough attention. Travel insurance.
What does travel insurance do? Well, there are several kinds, but the main one we’re discussing here is trip cancellation insurance. Many airline tickets these days are non-refundable or non-transferable, and other cancellations may carry penalties or fees. What if you get sick or injured before or during your trip? Trip cancellation insurance can help protect you against things like this.
There’s also health insurance, in case your health coverage doesn’t travel with you, insurance for loss of devices, such as phones or similar devices, insurance against theft, etc.If you are going to rent a car, you also need to make sure you’re covered for possible accidents or injuries. Get more information about the various options here.
The most important step in determining what your needs are in this area is to check with your insurance agent to find out what you are covered for and what you are not. Check with your health provider to find out what you can expect when you travel to a foreign country. Find out what steps you will need to take if you are sick or injured during your trip.
I always recommend trip cancellation insurance for people who travel to Ireland. It may be a once in a lifetime experience, or it may be something you do regularly, but it’s difficult to predict when things may go wrong. I’ve seen trips interrupted or canceled because of a volcano or terrorist attack, but there are also less serious things that can go wrong, but would still force you to cut your trip short. Here’s a list of ten things that may happen to you. They have definitely happened to others.
- It’s 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
- Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
- Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for assistance in obtaining emergency cash, and how will you get your passport replaced?
- You’re involved in an accident and adequate medical treatment is not available. Who will help coordinate a medical evacuation?
- If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
- You arrive in Jamaica and your luggage doesn’t. If it’s lost, who will help you find it? If it’s delayed who will reimburse you for covered necessities? If it’s stolen, who will reimburse you for its contents?
- Your cruiseline, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who is able to assist in getting you to your destination?
- You’re walking down a street in Rio and twist your ankle. Who is able to assist you in finding an English-speaking physician?
- Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will reimburse you if you want to cancel your trip?
- You are at a beach resort in North Carolina, and you are forced to evacuate due to a hurricane which has made your resort uninhabitable. Who can assist you in being evacuated? Who will reimburse you for your lost vacation investment?