As with any purchase, the keys are to know what you need, and understand what you are buying. That means actually reading through the policy so that you understand what is and isn't covered, rather than assuming it will cover you ‘no matter what.’ The most common mistake I see travelers make is purchasing insurance because they have a specific concern, such as a family member who is ill, or an uncertain employment situation, but the policy they chose specifically excluded these situations. Hurricane coverage is also frequently misunderstood. Your resort may offer a "Hurricane Guarantee" but they are certainly not going to reimburse you for missed flights!
To avoid purchasing the wrong policy, read through the list of benefits to verify that they cover anything that might cause you to cancel your trip. (This type of detail may not be in the brochure. You need to find a dcoument called Description of Coverage, Schedule of Benefits, etc.) For example, a basic policy may not offer coverage for work-related reasons, which is often needed by lawyers, doctors, and business owners. This is where insurance sold by travel suppliers may fall short, and they usually charge more to boot! But with a third party insurance policy, you can purchase an inexpensive upgrade which will provide this additional coverage.
It helps to understand insurance terminology, and many policies provide a glossary. Important definitions to check are “trip delay,” “trip interruption,” “family member,” and “pre-existing condition.” For example, does trip delay coverage start after 3, 5, or 12 hours? Is flight cancellation due to inclement weather covered, or just for mechanical problems? Does the policy cover non-related traveling companions and domestic partners?
Here’s one scenario I learned about recently. Let’s say a group of friends who are not related book a cruise together, and purchase insurance. A few weeks before the trip, when most of the cruise fare is nonrefundable, one family has to cancel due to a medical emergency. Their insurance policy covers them, but can the rest of the group also cancel and get a refund? If they purchased the cruise line insurance, probably not. However, if they had purchased a third party travel insurance policy which includes coverage for traveling companions, then the rest of the group could cancel as well.
No matter how you book your vacation, consult a professional when buying travel insurance. Any travel agent should be happy to help you sort through the various options to select the policy that is right for your family. For more information, contact Suzette Mack at suzette@family-treks.com.
The best meal of our vacation was actually a homestyle Puerto Rican meal at El Punto in Old San Juan. It was a tiny restaurant with maybe 4 tables, tucked in the back of a souvenir-shop alley. Their rice and beans were excellent. We also enjoyed the Brass Cactus in Luquillo, which serves Southwestern cuisine and is owned by a California native. "
First stop, the visitor center, and a short interpretive trail along the fault line. The complaints started rolling in: “I hate these trails!” “ Dad’s going to want to stop & read every sign!” “It’s so boring!” “I want to go to a beach!” Given that we had experienced several earthquakes recently, I thought the kids would really be into this. But even my daughter, who’s usually very enthusiastic, had a frown on her face. Apparently the recent quakes had the opposite effect: she was worried that the ground was going to open up right beneath our feet and she couldn’t wait to get back to the car.
Next stop, the Pt. Reyes Lighthouse. But getting there required going to another visitor center to purchase bus tickets, and then waiting for the bus. We were at a pretty beach, so both kids’ eyes lit up and they asked, “Can we go play in the sand?” Well, of course the answer was "No," as we had to get on a bus, so now there was more grumbling and moaning. I was really getting worried that our “fun family outing” wasn’t going to be so fun.
From the lighthouse, we started scanning the horizon for whale spouts. "This could be ugly," I thought, “If we don’t see a whale I will never get these kids out here again.” A few minutes later, a shout of “There’s one!” and the kids were hooked. No more complaints the rest of the afternoon. On the bus ride back to our car, the kids happily talked about the day, and kept an eye out for more wildlife, including elk, deer, and hawks.