I Don’t Need Trip Insurance, or Do I?

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“This is a girls (guys) trip. No one is going to back out.” “This is my last single fling. No one will back out. We all want to party!” “Seriously? Nothing will happen to the resort. They’re prepared for hurricanes.” “No one will get sick before the trip.”

And the BIG one – “I don’t want to spend any more money. I won’t need it.”

Sound familiar? I get these responses a lot when I ask about the purchase of trip insurance to protect the financial investment of my clients’ trips. We all know that life has a tendency to get in the way of best laid plans, and if you can afford to lose potentially thousands on your trip, more power to you. I know I can’t, and most people I know don’t want to, either. More and more, people are saving up for awhile (sometimes years), spending these savings on a special vacation, and don’t want to have to spend any more than they have to. I get it. Really, I do. Budgets suck. There’s no other way to put that.

However, consider that you just laid out $2500 to go to Cabo San Lucas in March for a trip with your besties for a bachelorette getaway. You didn’t take the trip insurance when you booked because you figured that there was no way you weren’t going to celebrate with your best friend since nursery school before she gets married. It’s late January, and everyone is paid in full. Guess what? The bride goes skiing in Aspen with her fiance on a before-moon to escape all the stress from planning the wedding. She falls, breaks her leg, and needs surgery. The doctor won’t clear her for travel in early March. Do you still go without the woman of the hour? My guess is no one wants to go without her. Without the insurance, everyone is out their investment.

We are all careful drivers, but what if you are in an accident? No one ever plans for one of these. That’s why they’re called accidents. One of these can take its toll, especially if it’s serious, and may force you to cancel your trip. This would be a covered reason with the insurance.

Losing employment – Sometimes this is obviously going to happen, sometimes not. Losing your employment can certainly scare you out of going on vacation, and rightfully so.

Jury duty is another big one. The judicial system doesn’t care if you have a vacation planned. You must do your civic duty. My experience with this one is an example here. I had an infant at home the last time I was called for jury duty, and I was still made to appear. Minor children at home used to be a valid reason to be able to either not go or postpone your service. A Cancel For Any Reason (CFAR) clause in addition to your policy would cover you here, and loss of employment, too. These are typically extra, but are worth every penny if needed.

Keep in mind, however, that fear or fear of illness aren’t covered reasons for trip cancellation, and isn’t going to be covered by Cancel for Any Reason. A perfect example of this currently is the coronavirus. Some travel suppliers are making some exceptions, but for the most part, unless you’re traveling to a place that has been quarantined or restricted travel within the next few weeks, you’re not going to be able to cancel and get a refund. Take the same precautions you would if you were at home. Check with the WHO and/or CDC daily for updates. It’s literally changing by the hour.

While these are just examples, it’s not too far off of what can actually happen. We always recommend trip insurance to our clients, and wedding insurance to our destination wedding clients. While it may seem trivial, and not an expense you want to lay out, should something happen, it’s peace of mind knowing that your financial investment is covered.

THE TOP 7 QUESTIONS FOR PLANNING A PERFECT HONEYMOON

Answering these 7 important questions can really help you with planning your perfect honeymoon.

Patti CasasI Don’t Need Trip Insurance, or Do I?
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10 of the Craziest Things Clients ask their Travel Agent

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Just for giggles. Here are ten of the craziest questions I compiled that were asked by potential clients, generously donated by my fellow travel professionals and myself.

1. Can you ask the airline to block the seat next to me so I can stretch out a little?
Ummm…ok, but there will be a fee for that – equal to the cost of a second ticket! (Because that’s what you have to do to have space next to you!)

2. Will the beach at my resort be all sandy?
I’m thinking that’s a “yes,” but I can’t guarantee it!

3. Can you book two rooms in different parts of the resort—one for me and my wife, and the other for my girlfriend?
Wide eye stares.

4. Is our relationship “privileged” like a client/lawyer relationship?
I’m thinking this was the same client from question #3. He may be needing that lawyer when he returns home.

5. How can I get to Europe without flying or cruising?
Well, sprouting wings or fins works for some people. Some prefer to dig a tunnel if they don’t like to fly. Maybe submarine?

6. Can you please plan a honeymoon for me, my bride and my mother?
I give that marriage 6 months tops. Maybe less. I’m amazed they’re engaged.

7. Does the crew actually sleep onboard the cruise ship?
No, they paddle along behind in a lifeboat.

8. Can you seat me away from the window on the airplane? I am getting my hair done before the trip and don’t want it to get messed up!
This was a little old lady flying to her granddaughter’s wedding, and asked in all seriousness.

9. Will you watch my pet while I’m away?
Kind of puts the “full service” in Travel Agent! Not with my allergies, sorry, but I can find one to recommend to you.

10. Is gambling legal in the cruise ship’s casino?
I guess they thought the cruise line was operating a big sting operation. No idea. In all fairness, though, some cruise lines don’t have casinos onboard.

Honorable Mention – One I experienced myself while on a cruise. I have to give you the backstory for it to make sense.

We were on a 5-night cruise out of Bayonne, NJ to Bermuda, back in 2014. We were in the main dining room for breakfast on our last morning. There was an elderly lady at a table next to us who spoke quite loudly with a thick New York accent (since I’m from Jersey, these tend to stick out to me in crowds, and it was hard not to hear her around the whole dining room. For a visual, think of the character that Mike Myers used to play on Saturday Night Live, Linda Richman, that he based on his mother-in-law for the voice, but Sophia from Golden Girls in looks!

She proudly proclaimed that next she was “going on the new Quantum Royal Caribbean ship out of Bayonne, and that [they were] going round trip to Australia on a 7-day cruise.”

Eyes wide open in disbelief. It was all I could do not to choke on my breakfast, and I kept getting the evil eye from my husband to not laugh. I had to leave the dining room to avoid choking. Geography wasn’t my top subject in school, but even I know where Australia is compared to the Tri-State area, and having experienced a 14 hour flight there from LAX. I want to be on that ship to experience that speed to make it to Australia and back to the East Coast in 7 days!

Honorable Mention #2: Can’t we just drive over the bridge or take a train to Hawaii? I really don’t want to fly there. I hate flying, and it’s such a long flight.

Not the last time I checked!

This article was meant purely to entertain. For other laughable comments, google the list by Thomas Cook. That’s a hoot! I’m not trying to make any point, or make anyone feel bad, just bring a smile to your face. It made me smile to write it, and I was sorely in need of a few good laughs.

Are you ready to start taking the steps towards your next travel adventure? Give us a call, and let Ohana Sunscapes bring a little more aloha to your life!

Patti Casas10 of the Craziest Things Clients ask their Travel Agent
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Why Fiji Makes a Perfect Honeymoon

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This is where you tell us about it. This is where you tell us about it.This is where you tell us about it.This is where you tell us about it.

This is where you tell us about it.This is where you tell us about it.This is where you tell us about it.This is where you tell us about it.This is where you tell us about it.This is where you tell us about it.This is where you tell us about it.This is where you tell us about it.

Patti CasasWhy Fiji Makes a Perfect Honeymoon
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