Liba Cohn, Do I Really Need Travel Insurance In St. Thomas?

william romsay williamromsay at
Thu Jan 17 00:20:31 PST 2008

Liba Cohn,   Do I Really Need Travel Insurance In St. Thomas?

Liba Cohn
Liba Lyustiger
Lillian Sarah Lyustiger
lillian sarah cohn
sara lyustiger
natalija lyustiger
cohn lyustiger
sarah lyustiger

When planning your vacation to St. Thomas, you may want to consider whether
or not travel insurance is a worthwhile investment. When making this
decision, the most important aspect to consider is your personal level of
risk. As part of a Caribbean vacation package, travel insurance would
firstly protect your investment should any unforeseen events occur that
prevent your travel, such as you or a family member are admitted to the
hospital before your vacation, a car accident occurs en route to the
airport, or a natural disaster takes place. However, there are several other
aspects to take into account when considering travel insurance. Here are
some travel tips to keep in mind when assembling your Caribbean vacation

As mentioned, trip cancellation / interruption (TCI) insurance can be very
helpful if you have to cancel your vacation to St. Thomas. When you arrange
your vacation package, you'll be given a list of accepted reasons for
canceling, usually including those mentioned above. Keep in mind that TCI
insurance doesn't allow you to alter your vacation plans because you changed
your mind or have concerns about travel.

Travel insurance is probably a good idea if you are a senior or have a
pre-existing medical condition, as special coverage options exist.
Complicated itineraries, guided tours, multiple stops or cruises are also
good candidates for insurance based on the possibility of missed connections
or delays. Also, if you absolutely have to be in St. Thomas, insurance
simply goes without question.

Many travelers are protected for certain contingencies under their medical,
auto or homeowner?s insurance policies or through the benefits offered by
some credit card providers. However, some coverage may not extend outside
the country and could include deductibles. Hence, you will need to check the
fine print of your existing policies and benefits and compare the coverage
with your overall travel risks.

Two important types of insurance to consider for a vacation to St. Thomas,
regardless of existing coverage, include supplier default insurance ? to
offset problems you might experience with tour operators or accommodations
in St. Thomas ? and emergency medical care / medical evacuation coverage.

On the surface, many policies may sound great, but specific airlines,
accommodations, cruise lines, car rental companies or tour operators may not
be covered. In fact, several large domestic airlines companies were stricken
from some travel insurance plans when bankruptcies were filed.

Always remember, it is very important to read the fine print when shopping
for travel insurance. Never make any assumptions about what your policy
covers. Also, ask the agent questions about any scenario that may affect you
to see if the coverage is what you need. If you are looking for specific
contingencies in a travel insurance plan, many providers can sell add-ons to
meet your needs.

You should also try to avoid buying travel insurance through a tour operator
or cruise line. In the event that the tour company goes out of business or
bankrupt, your insurance and money may go with it. Instead, use a reputable
insurance provider with offices located in St. Thomas and committed 24/7
customer service. If you can?t find a company, ask your travel agent for a

Avoid purchasing unnecessary travel insurance package perks, in many cases,
additional coverage for luggage and rental cars is superfluous. Chances are
your credit card provider or existing auto insurance policy offer at least
collision coverage for auto rentals. Additionally, most airline companies
offer up to $2,500 of luggage liability per passenger for lost or damaged

As you will traveling outside of the United States, the necessity for some
type of travel insurance is certainly more pressing than it may be for a
domestic vacation. You will need to determine what your overall risk is when
traveling to St. Thomas and weigh that risk against the cost of travel
insurance. Generally speaking, more extensive insurance policies ?
protecting your airfare, accommodations, health and personal belongings ?
add about 5-10% onto the cost of your vacation. When abroad, 5-10% can be a
small price to pay for security and piece of mind.

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