Scenario One - Let’s say you and your family are off on holiday. You are at the airport waiting to board your plane when you hear an announcement that your flight has been cancelled. When you go to the desk and question the airline employee, you find that you’re going to have to wait until tomorrow evening for the next flight out! What do you do? If you had travel insurance, you wouldn’t have a worry in the world. Your policy would cover you for a delay like this.
Scenario Two - Your luggage goes missing, and your asthma inhaler is inside. Since you never know when you will need it, what will you do? How can you get a prescription refilled in a strange place? If you had purchased travel insurance for family members and yourself, it would makes things much easier for you. Just a call to the 24/7 help desk of your insurance company would get a new inhaler on the way to you as fast as possible. Their job is helping policyholders with any need they may have.
Scenario Three - Someone snatches your wife’s purse in the airport. Inside the bag is everyone’s passport, as well as the bulk of the money to be used during your trip. What do you do? If you had travel insurance, all you’d need to do is make a phone call to get these items replaced.
Scenario Four – You and your family are involved in an accident. Your daughter has a badly broken leg, but there are no orthopedic specialists at any of the nearby hospitals of the small country you are in. What do you do? Travel insurance covers any sort of emergency medical care, including a transfer to another hospital.
Scenario Five – You wife wakes up with an abscessed tooth. After conferring with several dentists in the city where you are staying, they are hesitant to treat her because she has a prosthetic hip, and there is a chance that the infection causing the abscess could affect it. She also requires laughing gas, which the dentists do not have. What can you do? Your travel insurance company states this is not an ordinary dental circumstance, and flies you and your family home so your wife can see her regular dentist.
Scenario Six – It’s one day before you leave on your trip, and your mother-in-law suddenly passes away. You’ll regretfully have to forfeit your trip, and everything you spent on plane tickets, hotel reservations, etc. But, if you’d had travel insurance, your trip cancellation would mean only that you receive reimbursement for your travel costs.
Scenario Seven – You hear on the news that the airline you planned to use on one leg of your trip has filed for bankruptcy, and there will be no more flights. What do you do? Travel insurance will see that your non-refundable travel expenses are covered, and help with making other plans to get you to your holiday destination.
Scenario Eight – You’ve planned this trip to a small Eastern country for quite a while. But this morning’s newspaper states that several buildings were bombed by terrorists in the area where you had planned to stay. You decide you don’t want to make the trip anymore, and you’ll just have to forfeit the costs. What else can you do? If you had travel insurance, you wouldn’t lose that money. You could cancel your trip and receive reimbursement.
Scenario Nine – You and your family have only had a chance to enjoy this island resort for a few days when you hear the area has to be evacuated quickly because of a hurricane headed in your direction. Everyone is nervous and frightened. What can you do? Call your travel insurance agency and let them handle the best way to get you home as fast as possible.
Scenario Ten – You’ve had an uneventful trip so far, but the stress levels you’ve had worrying that something is going to go wrong is spoiling the entire trip for you. Travel insurance can bring you peace of mind and allow you to enjoy your holiday!
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