Importance of Travel Insurance

According to its website, Worldview Tours specialized in escorted tours to destinations around the world, including a number of offerings in India. Photo:

This article below underscores the importance of protecting your travel investment and insuring your vacation via a separate, well-respected, third-party insurance provider. You are not protected from vendor default if your cruise line or tour operator abruptly goes out of business. You may be left stranded and lose your full investment!

Island Time Travel recommends Travel Guard and TravelSafe.

Read the article below from Travel Market Report.

Last Thursday, Nov. 29, an email went out from Worldview Tours of Newport Beach, California, saying that the company and its sister company, One World Travel, had closed, effective immediately. “A downturn in business,” said the email, “has affected the corporation’s ability to service its debt.”

The email was signed by Nino Mohan, who founded the tour operation in 1978 out of a retail travel agency that grew into a provider of “custom designed private or group tours.”

Worldview Tours built a strong reputation for value and service. On Yelp, it has all five-star reviews. After 40 years of doing business on the up-and-up, it was a shock to those who had worked with the company to see it suddenly go under.


Whopping winter storm nearly in Sandy’s path


Photo credit: NBC News

Sharing this story from CNN about a potentially historic winter storm closing in on New England. The storm has canceled thousands of flights and could bring 2 feet of snow.

Read the full article here: Whopping winter storm nearly in Sandy’s path

Another related article: Super Snowstorms Cancel Thousands of Flights

Yet another reason why you must never travel without travel insurance!

Related: How Important is Travel Insurance?
Related: Is Travel Insurance a Smart Bet for Your Vacation?

Hurricane season at mid-way point shows no signs of slowing down; Tropical Storm Leslie


Photo credit: NBC News

The below article is shared from

Please don’t even think of traveling without travel insurance.   Did you know that TravelSafe is the only one to offer a hurricane guarantee if you have to cancel your trip because a hurricane warning has been issued?

BRIDGETOWN, Barbados, Tuesday, September 4, 2012 – The United States National Hurricane Center is issuing advisories on Tropical Storm Leslie and those in Bermuda are being advised to monitor the progress of the storm over the next few days as it gains intensity as it churns toward them.

The tropical storm is passing north east of the Lesser Antilles but over the next few days could bring life-threatening surf and rip currents to all northern Caribbean islands including Bahamas, Bermuda, and the eastern seaboard of the United States.

Experts say the peak of hurricane season will occur in about a week.

Read the full article from Caribbean 360 here.

Related: The Importance of Travel Insurance
Related: Cruise Lines Imposing Stiffer Cancellation Penalties

The Importance of Travel Insurance

You love to travel, or you would probably not be reading our travel blog.  When you book a vacation, you’re not just buying travel, you’re buying memories.  But even the best-planned trip can incur unforeseen issues.  I would never travel without travel insurance.  Travel insurance should really be thought of more as travel protection, because it includes so much more than just trip cancellation insurance.

Did you know that when you travel out of the country, your medical insurance may not cover you?  Did you know that if you obtain your travel insurance from the provider (i.e., buying the cruise line’s insurance protection plan) you will not have financial default coverage if that provider goes out of business before your trip?

Some common misconceptions about travel insurance:

Misconception 1: 78% don’t buy travel insurance because they think they do not need it.   However, the US State Department reports that 310,000 passports were lost and stolen abroad last year and the Air Transport Industry Baggage Report indicated that 25 million bags are mishandled every year.  Travel insurance and travel assistance can help consumers with these common mishaps.

Misconception 2: Many travelers think travel insurance coverage is mainly for overseas medical emergencies only.   However, nearly half of travel insurance purchasers (48%) bought travel insurance for travel inside the Continental U.S.  More than half of purchasers (55%) buy travel insurance for all or most trips and nearly a third (31%) buy for some trips.

Most good travel insurance policies provide:

  • Coverage for trip cancellation/interruption due to sickness, injury, or death
  • Coverage for trip cancellation/interruption due to per-existing medical conditions, if policy purchased within 15 days (time period depends on provider)
  • Coverage for trip cancellation/interruption due to cessation of services of a common carrier due to an unannounced strike, mechanical breakdown, or bad weather
  • Trip cancellation for involuntary termination of your employment, if been with employer for 1 year  (time period depends on provider)
  • Coverage for trip cancellation due to residence, workplace, or destination made uninhabitable by fire, flood, or natural disaster
  • Protection against default, bankruptcy, or financial insolvency of your travel supplier, cruise line, or tour operator
  • Coverage for baggage delay beginning at 12 hours  (time period depends on provider)
  • Coverage for travel delay due to sickness, injury, common carrier delay, quarantine, hijacking, strike, natural disaster, terrorism, riot, lost/stolen passports or travel documents
  • Optional “cancel for any reason” that pays up to 100% cash back depending on what cancellation penalty level you would be facing from the travel provider
  • Coverage for hurricane warning coverage for trip cancellation
  • Coverage for pandemics and epidemics (e.g. H1N1)
  • Coverage for trip cancellation due to revocation of previously approved time off work
  • Coverage for revocation of previously approved military leave due to war
  • Coverage for missed connections
  • Coverage for non-medical emergency evacuations due to political unrest, natural disasters (e.g, recent incidents in Egypt, New Zealand)
  • Coverage for terrorism, hijackings, quarantines, jury duty
  • No deductibles
  • Coverage for airline cancellation fees
  • 24/7 Worldwide customer service help line for medical, legal, or other emergency assistance
  • Some policies include (or available as an add-on) business-related coverage, which enhances your trip cancellation coverage by adding work-related covered reasons including Required to Work.
  • Many travel insurance providers offer a free “10 day look” which allows you to obtain a refund of your insurance premium if you have not filed a claim or departed on your trip

Contact Island Time Travel or click here to discuss your insurance needs and to get a quote.

Related: REDjet Airlines Grounded Due to Financial Problems
Related: Cruise Lines Imposing Stiffer Cancellation Penalties
Related: Police investigate two separate deaths on cruise ship
Also see: The Value of Travel Insurance–It’s a Must Have

REDjet Airlines Grounded Due to Financial Problems

Yet another example of why you must never travel without travel insurance

Barbados, Monday March 19, 2012 – After just 10  months in the skies, low-cost carrier REDjet is grounded due to financial  problems.  The Barbados-based airline needs an $8 million injection, and  government support so it can take to the skies once again.  Without such help,  the future of the airline is uncertain.  The airline suspended all flights to its nine destinations on Friday night until  further notice.

The grounding of the airline has not gone down well with passengers, some of whom purchased tickets within minutes of the airline’s announcement that  all flights were being suspended.  Passengers flooded the airline’s  Facebook page expressing their frustration over the airline’s lack of  communication with them about what was happening to allow them to better plan  for their travel.  Some passengers are also demanding their money back.

Source/credit: News.  Read their full article here.

One of our preferred suppliers here at Island Time Travel is Travel Safe Insurance.

Police investigate two separate deaths on cruise ship

These tragic deaths today while on a vacation away from home once again highlight the importance of always protecting your travel investment with insurance.  If you were on a cruise with a loved one, and he or she died during the cruise, did you ever think about such issues as who you would call for help, how you would cover your unanticipated living expenses while having to stay at that port of call, or how you would get your loved one’s body home?

Even the best-planned trip can incur unforeseen issues.  Travel insurance should really be thought of more as travel protection, because it is much more than just trip cancellation insurance.  Most all reputable providers, such as TravelSafe, include a 24/7 worldwide customer service help line for medical, legal, or other emergency assistance, and include medical evacuation coverage as well as coverage for repatriation of remains.

Read the article from here.

Related: The Value of Travel Insurance–It’s a Must Have

Hurricane Rina closes in on Mexican beach resorts

(Reuters) – Hurricane Rina closed in on Mexico’s Yucatán peninsula on Tuesday, threatening beach resorts like Cancun with heavy rain and dangerous waves but steering clear of oil installations in the Gulf of Mexico.

Rina, now a Category Two hurricane on the Saffir-Simpson intensity scale packing winds of 110 mph, is on the cusp of becoming a major hurricane.  When sustained winds hit 111 miles per hour storms are considered major Category Three hurricanes.

Authorities in Cancun were preparing 50 shelters ahead of Rina, which is expected to make landfall on Thursday morning. Worried residents cleared out store shelves of emergency supplies like water and canned tuna in case businesses decide to shut down.

“They have already started putting away beach chairs and umbrellas at the hotel just to be safe,” said Michelle Thomson, a vacationing accountant from Texas shopping for souvenirs at a mall in Cancun.

Companies that run marine parks around Cancun moved more than two dozen dolphins, some of them pregnant, housed in areas in the hurricane’s path to safer sites further inland.

The storm could slam into other tourist hubs like Playa del Carmen and the island of Cozumel, popular with scuba divers and cruise ships on the Yucatán Peninsula, and will also graze the small Central American nation of Belize.

Read the full article from Reuters here.  This is one reason why we always recommend travel insurance.  TravelSafe, a leading provider, includes hurricane coverage.

Related: The Value of Travel Insurance–It’s a Must Have