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Travel Time: Insure your next vacation

by Rosanne Coloccia, TravelationOnline.com; Posted by Catherine Holland

azfamily.com

Posted on April 26, 2010 at 1:49 AM

Lost luggage, a long flight delay - heck, even the weather. There are so many things that can disrupt your vacation, causing levels of anxiety that range from "no biggie" to "holy cow!" And if that volcano in Iceland tells us nothing else, it's that we need to prepare for anything. That's where travel insurance comes in.
 
Long available through cruise lines and tour companies, trip cancellation and interruption insurance refunds your trip price - minus the premium you pay - if your trip is cancelled or interrupted for a wide variety of reasons. Premiums will vary widely from company to company, with the tour company and cruise lines offering a flat rate for specific coverage. Independent insurance companies typically base your premium on the cost of the trip and your age.
 
Under the heading of "Trip Cancellation," most insurance companies will cover you if you can't travel due to illness - your illness or that of your traveling companions. Others will cover you if you are called to military service or jury duty. Still others offer a "cancel for business reasons" or "cancel for any reason" option, but it will cost more.
 
"Trip Interruption" is a pretty broad term and you may be surprised at what else a policy may cover - labor unrest, lost or delayed luggage, natural disasters (like volcanoes) and emergency medical expenses.
 
But what may be the most important part of your travel insurance policy? Medical coverage. Twist an ankle exploring those Mayan ruins? Develop a sinus infection on the flight to Amsterdam? If you need medical assistance while out of the country, keep in mind your personal medical insurance may not cover you outside the United States. A policy that covers doctor visits and medication in other countries can be invaluable.
 
Who should buy trip cancellation insurance? These days, I say everyone, but particularly travelers with small children and ill or elderly relatives. My daughter broke her arm walking down the stairs at the movie theatre a few years back - you just never know what will pop up with little ones, before or during a trip.
 
And as for elderly relatives, I became a trip insurance devotee when my much-loved grandmother passed away just two days before I was to sail out of Miami on a Caribbean cruise. Scrambling to make arrangements to attend the funeral and catch up with the cruise ship, I learned a valuable - if very expensive - lesson.
 
Just as with auto and homeowners insurance, not all travel insurance companies are alike in quality and coverage - make sure you see what is covered before you pay your premium. If you're living with a long-term or chronic illness, pre-existing conditions may also be an issue for you. CSA Travel Protection, a company I've used on behalf of my clients for years, asks if major medication has changed in the past six months, or if the passenger has been hospitalized in that same time period. If so, that's considered a pre-existing condition and you'll need to purchase additional coverage.
 
CSA and Travel Insured International - another company I've used with great success - both have excellent websites that spell out what is covered and more importantly - what isn't. You can also get a rough idea of what a policy will set you back. Airlines are so strict with their cancellation penalties these days, and some discounted tour packages are completely non-refundable within 30 days of travel. With everyone watching their wallets these days, it pays to protect your vacation investment.
 
And on to the fun stuff…
 
MEMORIAL DAY ON SALE!
Jamaica All-Inclusives

 
You don't often see great rates for travel over the week of a national holiday, but this year is different. How nice for you!
 
The rates below include round trip air from Phoenix, accommodations as noted for six nights (all-inclusive properties include meals, beverages - including alcohol - and non-motorized watersports) and airport transfers. Tips are included, too!  Air taxes are additional - currently running right around $90.00 per person.
 
Holiday Inn Sunspree
from $829.00 per person, double occupancy!
Comfortable property near the fun of Montego Bay!
 
RIU Montego Bay
from $919.00 per person, double occupancy!
Beautiful new property on a great stretch of beach!
 
RIU Ocho Rios
from $949.00 per person, double occupancy!
Very popular, with lots of return visitors!
 
Breezes Resort, Spa & Golf Club, Runaway Bay
From $1029.00 per person, double occupancy!
Great value for this newly remodeled property!
 
MEMORIAL DAY ON SALE!
Hula in Hawaii

 
The rates include round trip air from Phoenix, six nights accommodation as noted. A rental car comes with the package on Maui and airport transfers are included on Oahu.
 
Maui: Outrigger Royal Kahana
from $1039.00 per person, double occupancy!
Nice high rise property right on the beach!
 
Oahu: Ohana East
from $739.00 per person, double occupancy!
Just a short walk from the beach and near shopping and restaurants!
 
Oahu: Ohana Waikiki Beachcomber
From $799.00 per person, double occupancy!
Across the street from beach access!
 
Oahu: Aston Waikiki Beach Hotel
From $979.00 per person, double occupancy!
Ocean View room and right across the street from the beach!
 
MAGICAL MEDITERRANEAN: ITALY, FRENCH RIVIERA, PROVENCE & MORE!
October 9 - October 18
From $1999.00 per person, double occupancy!
 
Last call for these special rates!
 
Most cruise lines are raising rates for their popular itineraries and Royal Caribbean is no different. I can only hold my few remaining cabins for another two weeks at these fantastic rates!
 
Thanks to those who have already held space on this wonderful trip, I have only one Inside Stateroom and three Balcony Staterooms left in my group! The rate includes round trip air from Phoenix, all airport/pier/hotel transfers and a post-cruise stay in beautiful Barcelona.
 
We depart Phoenix on October 9 for Barcelona, where we'll sail October 10 on Royal Caribbean's Voyager of the Seas - ice-skating at sea, anyone? Our fantastic itinerary includes stops in some of the most beautiful ports in the Mediterranean. Check out the itinerary:

Oct. 10 -- Barcelona, Spain -- Depart: 7 p.m.
Oct. 11 -- Cruising
Oct. 12 -- Naples, Capri, Italy -- Arrive: 7 a.m.; Depart: 7 p.m. (Docked)
Oct. 13 -- Civitavecchia (Rome), Italy -- Arrive: 7 a.m.; Depart: 7 p.m. (Docked)
Oct. 14 -- Livorno (Florence/Pisa), Italy -- Arrive: 7 a.m.; Depart: 7 p.m. (Docked)
Oct. 15 -- Villefranche (Nice), France -- Arrive: 7 a.m.; Depart: 7 p.m. (Tendered)
Oct. 16 -- Provence (Toulon), France -- Arrive: 7 a.m.; Depart: 5 p.m. (Docked)
Oct. 17 -- Barcelona, Spain -- Arrive: 6 a.m
 
This cruise vacation offers incredible value - all your meals are included! - and you'll unpack one time to see parts of three beautiful countries! For more information on this trip, you can also visit my agency site: www.travelationonline.com.
 
Again, I can only hold these rates for a few more weeks, so if you've been thinking about joining us, now is the time to give me a call. I hope you come with us!
 
Across the country or around the world, we're planning your next great vacation at Travelation! Give us a call at 602-252-1140, or if you live outside the Metro Phoenix area, you can call toll-free at 888-751-2032. You can also reach me directly via e-mail at rosanne@travelationonline.com. I look forward to hearing from you!

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