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5 Disaster Moments And How Travel Insurance Helps

By Christine KrzysztonAugust 15, 2017

(Photo credit: chuttersnap via Unsplash.)

I’d like to say that I’ve always been prudent enough to purchase travel insurance, but that wouldn’t be truthful. There have been times when I wished I’d had the foresight to spend just a little extra money for that peace of mind, and times where I absolutely would have welcomed the possibility of getting financially reimbursed for my loss or compensated for being inconvenienced. Here are a few.

The 15-Hour Flight That Turned Into 21 Hours

At the end of a 15-hour flight from Los Angeles to Sydney, we found we couldn’t land in Sydney due to fog. The fog wasn’t expected to lift soon, so onward to Brisbane we flew to get more fuel so we could return to Sydney and try again. Counting the L.A.-to-Sydney flight and the extended delay, I actually sat on the plane for 21 hours. I didn’t complain, however, because other passengers on that flight who were connecting in Sydney then actually flying to Brisbane as their final destination but were not allowed to disembark while we were there. Ouch.

I should have purchased AirCare®, which provides $1,000 for tarmac delays lasting over two hours, once you push back from the gate.

(Photo credit: Annie Theby via Unsplash.)

(Photo credit: Annie Theby via Unsplash.)

That Time I Fell From the Sky

Everyone goes parasailing in Mexico, right? What could go wrong? It was a beautiful day, the beach was practically empty and my friends were cheering me on. Who knew the wind would gust so strongly that I would be blown sideways, causing me to descend quickly into … not the water, not the beach but something so much more destructive: a horse corral on the beach bounded by a brick wall on one side and a barbed-wire fence on the other. As my friend looked on in horror, I prayed not to hit the barbed-wire fence – but I did. It could have been a lot worse, but I still suffered some nasty wounds. After a trip to the doctor and the pharmacy, and a little tequila, my bruised ego and body began to heal.

I should have bought ExactCare® Extra for its emergency medical coverage.   

When My Luggage Went On A Trip Of Its Own

This happened many years ago and I don’t think I’ve checked luggage again since. I was set to receive an award at a banquet in Hawaii but my luggage decided to go off on a vacation of its own or perhaps it never left home. Regardless of its journey, it took my fancy banquet apparel with it. Two days passed without a word from my luggage. Fortunately it arrived the afternoon of the award banquet just as I was ready to purchase a new outfit to get me by.

I should have bought AirCare® or ExactCare® Extra, which would have paid me for my delayed luggage while I was still traveling.

 

(Photo credit: chuttersnap via Unsplash.)

(Photo credit: chuttersnap via Unsplash.)

I Bought A Ticket To Port-of-Spain But Never Saw Port-of-Spain

I had planned to spend a lovely weekend in Trinidad, but my flight was delayed, I missed my connection and I ended up spending my Friday night in Miami instead of Port-of-Spain. I wasn’t able to fly out until later the next day and arrived at Port-of-Spain airport too late to get into the city. I spent the night at the Holiday Inn Express at POS airport and flew home the next morning. Yes, I was too optimistic that all my flights would be on time and I would arrive as planned.

Even on a budget weekend trip, AirCare®  can provide coverage for missed connections and flight departure delay.

My Family Trip Went Fine, But I Dealt With The Worry

I promised my niece I would take her to Disney World. After booking all the flights and hotels and making the trip arrangements, the day finally arrived when my sister, mother, niece, nephew and I boarded the plane for our epic trip. Throughout the journey I was constantly hoping our flights were on time, we wouldn’t be stranded, and all would go well. Fortunately, the only disaster was in my mind, as everything went as closely to plan as I could have hoped for. 

I could have avoided all that stress if my sister and I had purchased ExactCare®, for that extra peace of mind (and its family-friendly pricing). 

(Photo credit: Piotr Chrobot via Unsplash.)

(Photo credit: Piotr Chrobot via Unsplash.)

Remember, It's Rare That A Trip Goes Perfectly

I travel two to three times a month, mostly internationally, and rarely does a trip go perfectly. Just last week I had two back-to-back flights delayed, each one over three hours. Most trips seem to result in some sort of delay, cancellation, or other minor disruption. Some result in missed connections, unexpected overnight stays or long airport waits. 

When you book your next trip, anticipate these possibilities and consider coverage that is a perfect fit for your trip – not too much and not too little. One of BHTP’s products is going to be just right, whether you’re traveling with family, on a solo holiday, an epic adventure, a weekend getaway, or a budget vacation. It’s easy to pick the plan that fits your travel needs and your budget.

Please visit our Disclaimer page for underwriter info. Policies have exclusions and limitations. For complete details of coverage, contact BHTP by calling 844-411-2487, or emailing us at assist@bhtp.com. 

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Christine Krzyszton

Christine Krzyszton lives in Northern Michigan and travels the world with no predetermined destination in mind, letting airfare prices dictate where she will travel. A points-and-miles junkie, she prefers to utilize points to offset the cost of purchased airfare versus flying on premium flights using frequent-flier miles. She tallies around 350,000 flown miles each year, and has been writing about her extensive travels for nine years, contributing to Baby Boomer, lifestyle and travel blogs, newsletters, and a regional men’s magazine. She is the author of How to see the World in a Weekend and long time contributor to www.frugaltravelguy.com.

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