Your Journey Could Be Longer than You Suppose

Travel Insurance


You’re taking a ten-day cruise, so your journey shall be ten days lengthy, proper?  Not essentially.  In case you are traveling to get to your foremost level of departure in your journey and spending an evening away from dwelling earlier than embarking on the primary a part of your journey, you journey is longer than the dates of the cruise (or different scheduled tour).

Does this make a distinction?   In case you are shopping for journey insurance it does.   Journey interruption or delay protection doesn’t begin till your said date of departure, and the date of travel preparations which can be included in your journey price.  Right here’s an instance:  You buy a cruise, and you’re traveling utilizing mileage tickets.  You insured the cruise, however you overlook to incorporate the taxes or charges that you simply paid to say your mileage award travel in your said travel prices together with your travel insurance.   So though you may have said that your journey began on the date of your airline departure, your protection doesn’t actually start till the cruise begins.

Why is that this date discrepancy necessary?  You reside in Des Moines and are taking a cruise leaving from Miami. Your flight to Miami is delayed or cancelled and also you miss the primary leg of your cruise.  If you happen to purchased journey insurance that included your airline flight, then the misplaced days of your cruise can be lined and refunded.  However if you happen to don’t embody your airfare, (even whether it is simply the taxes in your mileage ticket, then the travel delay wouldn’t be lined as a result of the insurance firm assumes your journey begins on the day of the cruise and solely contains protection for the cruise.  You’d be by yourself to get to the ship.  If you happen to correctly insured your self, your prices to get to the ship would even be lined.

Right here’s one other instance, you reside in Wyoming and are traveling to Europe for a cruise.  You might be flying internationally out of Chicago.  You propose to spend one night time there earlier than departing.   That you must embody all of your travel preparations in your journey price, after which if climate or mechanical issues with the airplane maintain you from making your flight in Chicago, you’re lined.

Your protection for journey delay, interruption and missed connection doesn’t begin till the time you said your journey and lined travel preparations begin.  The identical is true for the tip of your journey.  In case you are not returning to your own home the day the primary a part of your journey ends, remember to take this into consideration when stating your journey size.

You must insure all of your travel time – from door to door.  The extra price (if any) for the insurance protects you.