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Stockpiling Insurance Policies

By Bill Simmons

When you say travel insurance, there are still a number of people who will say that buying them before trips can make a huge difference in how a vacation turns out, they act as charms for some, but lucky charm or not, there are great benefits to these policies, because they secure not only those who are traveling but also their relatives back home, not to mention individuals who have their feet firmly on the ground.

For a relatively small sum, you can buy flight life insurance that can provide for emergency medical bills that might not be covered by your personal health plan when you’re away from home and cover baggage lost, stolen, or damaged once you’re off the plane. You also can get what may be the most valuable type of insurance for travelers in this ?pay before you go? age. For about $3 per $100, you can cover your total nonrefundable investment air or cruise fare plus land reservations including hotels, sightseeing, car rental and any other prepaid arrangements you’d lose out on if an emergency forced you to cancel the trip, miss a country or two on a 10 country tour or come home early.

Witness the couple that, for a $24 insurance investment, was reimbursed the $293 it cost them to buy full fare tickets from Paris to Spain after she became ill en route, forcing them to miss the special excursion fare flight on which they’d been booked. A Florida trip was scheduled for a family of four but because a child became ill, they were not able to go, they used the same coverage and got a refund.

And, on the negative side, the man who had not foreseen being stricken with a heart ailment while on his charter trip in Italy and had to pay as much for an emergency full fare flight home as he had for his entire tour package. Based on policy research, claims are acceptable when there is a death in the family or when a sickness or accident needs medical treatment. You will get nothing if you missed a flight due to traffic or changing your mind.

If you’re in the habit of shopping for fares and other travel items, you’ll feel right at home on insurance. Even if plans seem similar, they will have different provisions and prices. A survey done for a consumer newsletter found that rates for the same cancellation insurance coverage for the same trip ran from $12 to $24. It is not easy to compare prices because most insurance companies would lump several other coverages in one policy.

All insurance companies and cancellation will let you buy cancellation coverage alone, though that might not be readily apparent from their brochures. It has been mentioned by a broker that brochures have been deliberately created to encourage higher sales by influencing people that they need a lot of policies when they travel. But consider the possibility of having personal policies already, and traveling without valuables, or having flexible flight tickets, won’t the purpose of travel insurance be defeated?

Still, it is possible, especially if you are spending for a prepaid trip, that you have coverage that has certain exclusions that could easily be filled with another kind of coverage, like accident or medical protection that could further add to the confusion on costs. All insurance companies and cancellation will let you buy cancellation coverage alone, though that might not be readily apparent from their brochures. One broker conceded that insurance pamphlets are deliberately designed to suggest that you must buy the whole lot of options, gaining the company at least $10 or so more per person on a two week trip.

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Article Citation
MLA Style Citation:
Simmons, Bill "Stockpiling Insurance Policies." Stockpiling Insurance Policies. 10 Jul. 2010. 29 Sep 2014 <>.

APA Style Citation:
Simmons, B (2010, July 10). Stockpiling Insurance Policies. Retrieved September 29, 2014, from

Chicago Style Citation:
Simmons, Bill "Stockpiling Insurance Policies"

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