Travelex Travel Insurance – The ultimate in travel protection and emergency travel assistance. This type of insurance can be used whether you’re on an organized tour or cruise, or traveling independently (in which case, only the prepaid expenses — such as your flight and any nonrefundable hotel reservations — are covered). Note the difference: Trip cancellation is when you don’t go on your trip at all. Trip interruption is when you begin a journey but have to cut it short; in this case, you’ll be reimbursed only for the portion of the trip that you didn’t complete. If you’re taking a tour, it may already come with some cancellation insurance — ask.

It’s also smart to check with your homeowners or renters insurance company. Under most policies, your personal property is already protected against theft anywhere in the world — but your insurance deductible still applies. If you have a $1,000 deductible and your $700 tablet is stolen, you’ll have to pay to replace it. Rather than buying separate insurance, it may make more sense to add a rider to your existing policy to cover expensive items while you travel.

Trip interruption or cancellation coverage is likely what comes to mind when you think of travel insurance. It can reimburse up to 150 percent of the total travel expenses should your trip be cut short or cancelled for a covered reason. Covered reasons” vary by policy, but usually include things like injury, illness, natural disaster, or cancellation by an airline or travel company.

Travel Agents Babysit Your Reservations – Many folks have commitment issues when it comes to pulling the trigger and confirming their reservations. They always think they will get a cheaper last minute rate. Often they wait too long, forfeit availability and end up paying much more for their vacation. Most people don’t realize that if their trip goes on sale, they can get a lower rate. A good travel agent will babysit your reservation and have any lower prices or sales applied to your reservation, even after you’ve made your initial deposit has been made. This is true for many cruises or Disney vacations. For Caribbean or Mexico resort vacations, our agents can direct you to price guarantee coverage that offers you the same option.

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