Photo by Sam Kolder: https://www.pexels.com/photo/three-men-standing-near-waterfalls-2387873/

Many consumers balance the extra cost and wonder, "Is travel insurance worth it?" The majority of the time, the answer is an emphatic YES. This is the reason.

You Can’t Afford To Lose Your Holiday Investment 

Assume you pay a decent amount for a once-in-a-lifetime luxury cruise across the Mediterranean to commemorate your 25th wedding anniversary. Your mother had a major fall the day before sailing and ends up in the emergency room. When you phone the cruise line and explain, they are empathetic – but you will not be reimbursed. There are no refunds if you reschedule within 14 days of departure, according to most policies.

Travel insurance is essential in situations like these. When you have trip cancellation benefits on your travel insurance, you can get reimbursed for prepaid, nonrefundable trip costs if you have to cancel for a covered cause. Covered causes can include the insured person's, a travel companion's, or a family member's covered serious illness or injury; the insured traveler's, a travel companion's, or a family member's death; a natural disaster or other occurrence that renders your location uninhabitable; and so on.

Medical Emergencies Can Be Expensive Abroad 

Consider the following scenario: A truck collides with your rental car while you're on a driving vacation through Brazil, leaving you with a broken leg and other catastrophic injuries. You muster the courage to pull out your health insurance card when you arrive at the hospital. The employees simply shake their heads. You'll have to pay for therapy up front, and your medical expenses will quickly mount into the tens of thousands. If you need medical evacuation, the cost can be $200,000 or over, depending on the country and distance to the nearest hospital.

Many overseas medical facilities and providers request upfront cash payment and do not accept American insurance coverage. Outside of the United States, Medicare does not provide coverage.

When you have travel insurance with urgent medical benefits, it can pay for losses incurred during your trip as a result of covered medical and dental crises. Emergency medical transportation benefits may cover medically necessary transport to the nearest appropriate medical institution, as well as the expense of returning home after a covered injury or illness.

Therefore, if you are wondering if medical insurance is worth it, you really need to weigh up the difference in cost of paying for insurance and the possible fees you may have to pay for medical care when travelling. 

Protects You From Minor Mishaps

Vacations are an investment in your pleasure. And when that vacation begins with a cancelled flight, a missed connection, a lost bag, or another travel snafu, that wonderful travel sensation vanishes.

Travel insurance can help to alleviate these circumstances. Travel delay benefits may compensate you for additional lodging/travel expenditures as well as lost prepaid fees if your flight is delayed by six hours or more. If your baggage is delayed or misplaced by a common carrier for 24 hours or more, baggage delay benefits may pay you for the additional charges of essential items during your trip. Several other benefits cover other frequent travel blunders, so check your plan to see what's covered. So, if you are planning on purchasing special holiday clothes or equipment such as EcoGearFX, having insurance in place can help you to protect this. 

It’s Advised 

What should you do initially if you are in an emergency situation abroad? Most American travelers seek assistance from the local US embassy, but they are frequently dismayed to learn that the embassy's capabilities are limited. They can aid you in replacing a stolen passport, contacting relatives or friends in the United States, locating medical or legal support, communicating with local police, and connecting you with numerous resources. However, an embassy cannot pay for your medical care, offer emergency transportation (unless in rare, serious disasters), or cover any other financial damages you incur while traveling.

That is why the State Department recommends that all American travelers carry travel insurance, specifically travel insurance that includes emergency health benefits, medical emergency transportation benefits, and insurance for other unexpected expenses such as trip cancellation and lost or stolen luggage.

It’s helpful to get your money back

In the case where a holiday needs to be canceled or there’s a bad experience that has been had that warrants getting money back, insurance can be useful to have in place.

While some insurance providers might not pay out, having it in place, opens up opportunities to take legal action if you feel you’ve been unfairly dealt with. For example, an insurance claim denial lawyer is an option available when insurance is taken out.

It’s Easy To Find For A Reasonable Price

The most common reason people do not purchase travel insurance is cost. We comprehend! If you've already spent thousands of dollars on a long-awaited cruise or resort holiday, it's difficult to justify spending any more on insurance.

Insurance can actually be really affordable, you just need to shop around. When you get a quote for travel insurance, you can find one that fits in with both your trip and your budget. You need to make a note of everything you need to be covered for including excurtions and other activities while you are away, how many people need to be covered, and how much money you need to be covered for your spending money. If you are on a absolute budget it is possible to just cover the minimum of just covering the cost of your holiday, however, it is definitely worth considering an insurance to cover medical expenses. This is one of the most common mistakes people make when travelling, because you never expect to be in the hospital when you are going away. It’s definitely one of the most expensive mistake to make. 

Getting a quote for your next trip and then comparing policies is the best approach to locate a low-cost travel insurance package. Remember that if you are dissatisfied, you may have some time to request a refund and choose an alternative policy.

As you can see, there are many reasons you should make sure you have a travel insurance for your next holiday. What are your thoughts?

So, if you’re wondering what to do this holiday season, or perhaps you’re planning on starting the new year with a vacation (we can’t think of a better time!), read on. We’ve got all the top reasons why you should be putting Florida on your vacation bucket list!

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Some housekeeping: remember to check all the local and interstate Covid regulations (as applicable), and if you’re flying double-check your airline’s rebooking or cancellation policies and fees and make sure that these are in writing.

Remember that every holiday starts with a decent budget, so if a vacation is not on the cards right now, it’s still a good time to start planning for one.

Right, let’s get talking about Florida!

LIFE’S A BEACH

No doubt about it, Florida is blessed with some of the world’s most spectacular beaches, kissed by green a blue oceans. Add to that the incredible weather and you have a vacation right there. Having all of these wonderful beaches also makes it easier to afford a vacation in Florida, because, for the family on a budget (hey, which one isn’t), beach vacations offer endless days in the sun with family and friends. 

THEME PARKS

Come on, we could hardly talk about Florida and not talk about the best in the world theme parks of Orlando that attract millions of visitors to the state each year, from everywhere around the world. Featuring the most thrilling rides, exciting events, and all the magic and family time bonding you could possibly want or need.  Find out more, here.

NATIONAL AND STATE PARKS

Enjoying some of the most varied terrain and topography in the United States means that Florida offers some unique and unparalleled experiences anywhere in the country. There are a dozen parks in the state and for a truly unique way to experience some of them, hop on an airboat and travel at 130 mph discovering them.

HISTORY

We don’t usually think of Florida as the kind of state we flock to for a vacation saturated in history, fine art, and culture but if you’re staying for a minute, add this to your list of reasons to visit the sunshine state. Florida enjoys a diverse and fascinating mix of languages, cultures, and religions that predates the arrival of the Europeans. Various Native American tribes called Florida home long before the explorers arrived, adding even more rich and varied stories to tell.

Of course, for those interested in a life beyond our planet, Cape Canaveral offers a glimpse into our starry future and you can take in regular tours offered by NASA.

There is a never-ending list of fun things to do in Florida and that includes activities for your whole family, or if you’re just planning on a romantic getaway for two you’ll discover loads of romantic places in Orlando.

Photo by Tatiana Syrikova from Pexels

1) An Emergency Kit 

A first aid kit should be the number one thing you put in your child’s emergency bag. This can include anything from bandages to painkillers. Ensure that everyone traveling with children knows where this kit is located and that it has been checked before departure.

2) A Medicine Kit  

A medicine kit is also important, as it can help treat minor injuries and illnesses. Make sure that you pack any prescription medications your child needs, along with over-the-counter medicines like ibuprofen or paracetamol. If your child has a specific medical condition, make sure to bring all of the necessary medication and equipment with you. This could include an EpiPen for severe allergies or an inhaler for asthma. Make sure to check with your doctor before traveling if you have any concerns about your child’s health. 

3) A Cell Phone   

Children should always have a cellphone with them, even if they are traveling in an international airport or other public places. This is important because it can be used to contact family members in case of emergency and also has GPS capabilities that can help you locate your child when they get lost. Ensure that the phone has all necessary apps like Maps installed before departure, and consider getting your child their own prepaid SIM card for data usage while abroad. If there is no signal where you are going, make sure to pack an extra battery charger for convenience. By using a reverse number tracker you may be able to locate your child anywhere. 

4) Panic Buttons /Wristbands 

If your child is traveling alone, it is a good idea to give them a panic button or wristband to wear. This way, if they ever get lost or feel unsafe, they can easily contact someone for help. There are a variety of different panic buttons and wristbands available on the market, so do some research to find the best option for your child. 

5) Emergency Numbers  

It is also important to make sure that your child knows who to contact in an emergency. Make a list of the numbers for every person traveling with them, including parents and other family members, as well as local contacts like hotel staff or tour guides. This will help keep everyone informed if something happens while you are away from home. 

6) A Water Bottle   

Keeping hydrated is important when traveling, especially for children who are more at risk of becoming ill due to the strange food they will be eating. Make sure that your child has access to plenty of water throughout the day by packing a refillable water bottle in their bag. You can also give them an empty container so that they can fill it up themselves if necessary. 

7) Hand Sanitizer   

Hand sanitizer is a must-have for any traveler, especially children. It can help prevent the spread of germs and illness and is a great way to clean up after touching anything dirty. Pack a small bottle of hand sanitizer in your child’s bag so that they can use it anytime, anywhere. 

8) Snacks   

Keeping your child’s blood sugar stable is important when traveling. If they get tired, hungry, or sick from the unfamiliar food and surroundings, it could be dangerous for them and stressful for parents to deal with. Pack snacks like nuts and dried fruit high in energy but low in fat to keep their energy levels up throughout the day. You can also pack some familiar treats if you think this will make them feel more comfortable while away from home. 

9) Sneakers   

Children should always wear sneakers when traveling, as they provide more support than sandals or flip-flops. This is especially important if your child is going to be doing a lot of walking while on holiday. Make sure that the sneakers are comfortable and well-broken so that your child can enjoy their trip without having to worry about blisters or other foot problems. 

10) Sunscreen 

Sunscreen is an essential item for any child who will be spending time outdoors during their travels. First, choose a waterproof sunscreen with a high SPF rating to protect them from the sun’s harmful rays. Then, apply it liberally every morning before your child goes out, and make sure to pack extra sunscreen in case they need to reapply it later in the day.