July 28, 2025
The One Thing You Can’t Afford to Skip on Your Next Trip
Let’s talk about something way less fun than planning excursions, but far more important:
Travel insurance.
If your eyes glazed over just now, I get it. Insurance isn’t glamorous. It doesn’t come with ocean views or welcome champagne. But as someone who plans trips for a living, I’ll be honest:
If you can’t afford to protect your trip, you probably can’t afford to take it.
That might sound bold, but I say it because I’ve seen what happens when people skip insurance and how much peace of mind it offers when things don’t go as planned.
Why Travel Feels Riskier Right Now
Between shifting policies, unpredictable weather, and a world that feels increasingly unstable, travel just isn’t what it used to be. In the last year alone, we’ve seen:
- Airline strikes, system outages, and cancellations skyrocket
- Cruises rerouted due to global conflicts and port closures
- Sudden illness interrupting even the best-laid plans
- Luggage lost or delayed for days, sometimes weeks
- Entire countries tightening entry requirements at the last minute
Geopolitical issues and uncertainty are part of the landscape now. And while that shouldn’t stop you from exploring the world, it does mean planning with protection in mind.
A $400 Policy Saved One Family $4,000
One of my clients was just days away from sailing on a $4,000 cruise with their family when sickness hit. They had to cancel the trip, but because they purchased travel insurance, they were reimbursed for the full amount (minus the $400 policy).
They spent $400 to avoid losing ten times that amount. No stress. No panic. No financial hit. Just peace of mind.
What Travel Insurance Covers (That Most People Don’t Realize)
Depending on the policy, you’re typically covered for:
- Trip cancellations before you depart, including illness or death of a family member
- Medical emergencies abroad
- Lost, delayed, or damaged luggage
- Flight delays or missed connections
- Emergency evacuations, especially important for cruises or remote destinations
- Even supplier bankruptcy or strikes
This isn’t just about worst-case scenarios. It’s about the real-life things that can and do happen while you’re traveling.
“It Won’t Happen to Me” Isn’t a Strategy
The reality? Most people who end up needing insurance never expected to. A missed flight, a sick child, a last-minute work conflict, a stomach bug—none of it is dramatic, but all of it can cost you thousands.
Cruise lines, airlines, and resorts aren’t required to refund you, even if your reason feels valid.
With travel insurance, you don’t have to gamble. You can move forward knowing you’ve got a safety net in place if something goes sideways.
I Don’t Just Recommend It, I Offer It
I don’t bring up travel insurance to scare anyone. I bring it up because I’ve seen how much it helps. I include a travel insurance offer with every proposal I send. It’s not an afterthought—it’s part of making sure your trip is protected from the beginning.
While I can’t tell you which policy to choose or offer personalized insurance advice, I do provide access to trusted coverage options that match your trip details. I’m also here to answer general questions about what’s typically included, so you can make an informed decision that feels right for you.
Travel insurance is one more way I support your experience, not just during the fun parts of your trip, but when the unexpected shows up too.
Bottom Line
Travel is one of the best investments you can make in your life.
Travel insurance is how you protect that investment.
With everything happening in the world, it’s not optional anymore. It’s smart, simple, and often surprisingly affordable.
So before you pack your bags, make sure your plans are protected.
Need help adding travel insurance to your cruise, resort stay, or international trip?
Let’s make sure your vacation is covered from the start.
Schedule a Consultation Call
