Nice, France

Top 10 Reasons to Purchase Travel Insurance

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.


To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.

  1. It’s 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
  2. Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
  3. Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for assistance in obtaining emergency cash, and how will you get your passport replaced?
  4. You’re involved in an accident and adequate medical treatment is not available. Who will help coordinate a medical evacuation?
  5. If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
  6. You arrive in Jamaica and your luggage doesn’t. If it’s lost, who will help you find it? If it’s delayed who will reimburse you for covered necessities? If it’s stolen, who will reimburse you for its contents?
  7. Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who is able to assist in getting you to your destination?
  8. You’re walking down a street in Rio and twist your ankle. Who is able to assist you in finding an English-speaking physician?
  9. Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will reimburse you if you want to cancel your trip?
  10. You are at a beach resort in North Carolina, and you are forced to evacuate due to a hurricane, which has made your resort uninhabitable. Who can assist you in being evacuated? Who will reimburse you for your lost vacation investment?

Passports and Visas

If your trip requires a passport, it must be valid for at least six months beyond the return date. If you do not already have a passport, or if yours will expire prior to the required time period indicated above, you should begin the procedure for obtaining or renewing one as soon as possible. Visit the U.S. Department of State’s website for more information and assistance.

Always remember to keep your passport with you at all times—never pack it in your suitcase. You will need it at check-in for international flights as well as other situations such as identification when cashing travelers cheques and at hotel reception desks.

It is always a good idea to carry a photocopy of the data page of your passport that has your photograph, along with a spare passport photograph. In the unlikely event that you lose your passport, these can be used as proof of identity and speed the process of obtaining a replacement. Keep these duplicates in a place separate from your passport.

A visa is a permit from a foreign government for you to enter their country. It is issued as a separate card or stamped entry in your passport by that country’s Embassy or Consulate in the U.S. Visas can take several weeks to obtain. Most countries do not require a visa for American citizens.  You must already have a passport before you can obtain a visa. Costs of the visa and the processing fees are generally not included in your tour price.  For more information visit the U.S Department of State website which provides information on every country in the world whether you need a visa, crime and security information, health and medical conditions, drug penalties, or localized hot spots.

For all your Passport and Visa needs visit

© Copyright 2016 by Blue Ribbon Travel