I wanted to share with you two examples of why you should always choose to buy travel insurance for your travel plans.
Recently, I had a client who was a guest at a destination wedding in Mexico. She made the first reservation for herself and her son and did not want to pay the additional money to purchase the “cancel for any reason” insurance. She was positive she would not want to cancel or have any unknown problems. A couple of months after the deposit was made her son got a new job and could not go to the wedding. She also decided to change her departure date. Unfortunately, for her, the change fee from the airline was $150 and the change fee for the resort was $50 for cancelling her son’s reservation. She lost $200 on that change alone. To change her departure date cost her another $200. In the beginning, she made a $400 deposit which was gone now and she had to put up another deposit just to hold the reservation. The travel insurance would have cost her a total of $179 and none of the fees would have been charged.
The other incident happened with the same wedding. One of the guests applied for his passport months in advance of the trip. He called me on the Sunday before his Wednesday departure saying that he had not received his passport and that there was a problem in getting it approved. To make a long story short, we held his flight reservation until the night before the flight in hopes that everything would be finalized and he could pick his passport up at the local office. We had to cancel his flight but left his room reservation in place. Through a few well placed phone calls and emails, we were able to get his passport printed in the local office the very morning everyone was to leave. As soon as he called and said he had it in hand, I got him booked on the next available flight. He arrived only a couple of hours after everyone else. The best news of all was that with the additional insurance he purchased, the cancellation of the first flight had no fees and the new flight was purchased at the same time the credit for the first was being issued.
The moral of the story is: Always, always purchase the travel insurance. Any plans can change at a moment’s notice through no fault of your own.