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Should You Buy Travel Insurance?

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By: Tom Brussow

Owner, Sunsational Beach Vacations

One of the most important buying decisions you will have associated with your beach vacation is the purchase of travel insurance.  As your beach vacation specialists, we want to provide you with all of the facts so that you can make an informed decision.

Travel insurance, like all insurance it would seem, is "something you really only need when you really need it". What I mean is that people tend to think they won't need it so why spend the extra money. I can tell you, from our experience, that this is in fact true. In all likelihood, you will not need the travel insurance you choose (or choose not) to purchase.

However, if you indeed end up in a situation as one of the few who do need it, you will be very glad you have it. What many travelers don't realize is that travel insurance covers a number of concerns including trip cancellation, during travel issues such as delayed flights or lost baggage, as well as, in-destination emergency medical cost reimbursement.

A Simple Case in Point:

Last year, we had clients whose daughter got a swimmers ear infection on the second day of the trip in Punta Cana. In the Caribbean, Mexico, and most other places you'll travel, you can't simply hand over your insurance card as payment for medial treatment...everything is on a cash or credit card basis.

In this case, the costs of the on-site resort clinic was $120. Then, the resort referred to the local hospital for treatment...another $280. Add in the cost of the ear drops at $30 plus $50 for the round trip cab fare and treating swimmers ear ends up costing almost $500! Without travel insurance, this client would have incurred all of this cost out of their own pocket for something as minor and unexpected as swimmers ear!

Who Should Buy Travel Insurance?

We strongly recommend that all of our clients purchase travel insurance. However, if any of these situations apply to you, you should DEFINITELY purchase travel insurance:

  • If you or a member of your family traveling has any type of heath related issues that would cause you to cancel the trip or seek medial treatment during the trip
  • If you have small children traveling with you or at home
  • If you have elderly parents with any type of heath issue traveling with you or at home
  • If you or anyone traveling with you have any job related uncertainty
  • If you or anyone traveling with you have any financial uncertainty
  • If you plan to engage in any "adventurous" activities during the trip where there is a risk of even minor injury

What is Included With Trip Insurance?

The primary reason most people buy insurance is for the trip cancellation protection. With our two main suppliers; Apple Vacations and Funjet Vacations, this means you can cancel for any reason and get back all of your money (less, of course, the cost of the travel insurance). If you don't have insurance and have to cancel, you stand to lose a good part, if not all of the trip investment, due to the cancellation penalties.

What most people don't consider is that there is way more than cancellation protection included in your trip insurance price.

Here is a recap of all that is generally included:

Cancel for Any Reason:
You may cancel for ANY reason prior to departure and receive a full refund less the cost of the respective Travel Protection plan. This coverage even covers normally non-refundable airfares and the refund is always made in the original form of payment.

Price Guarantee:
If the price of the hotel drops after booking the reservation, just let us know and we'll adjust the reservation to the lower price. Valid on Mexico, Caribbean, Hawaii and Central America vacations.

No Revision Fees:
Any revision fees for the FIRST instance are covered including hotel, airline and any penalties, so you won't be charged additional fees to make a change to your reservation. 

Hurricane Benefit:
If a Category One or greater hurricane disrupts a vacation for 24 hours or more, travelers will receive a refund for unused or interrupted vacation nights plus a future vacation discount certificate. Valid for reservations departing June through November. 

Then, in addition, there are a number of Post-Departure Travel Insurance benefits:

Trip Interruption Protection

Reimburses (up to the total trip cost) unused hotel arrangements plus additional costs to change or purchase a new airline ticket if you can't travel due to circumstances such as illness or injury to you, a family member, or traveling companion, jury duty, subpoena, or a traffic accident on the way to the airport.

Travel Delay Reimbursement
Reimburses additional transportation costs or unused hotel arrangements should your flight be delayed 12 or more hours due to weather, strike or other job action, or equipment failure of a common air carrier. The Funjet plan, for example, reimburses you up to $500 ($100 per day) for the unused portion of your trip, additional accommodations, meals and "catch up" transportation expenses.

Emergency Evacuation
Arranges and pre-pays the cost of emergency medical transportation if a serious illness or injury occurs during your vacation that requires medical evacuation.

Medical Expense Reimbursement
Reimburses medical costs should you incur hospital charges or other medical bills as a result of an illness or injury during your vacation.

Baggage/Personal Property Reimbursement
Reimburses you for baggage or items lost, stolen, or damaged during your vacation.

Baggage Delay Reimbursement
Reimburses for the purchase of necessary personal items if your bags are delayed by the airline for 24 hours or longer. The plan covers you for the purchase of necessary items up to $300 in the event your luggage is delayed by an air common carrier for more than 24 hours en route to your vacation.

Travel Accident Protection
Accidental death and dismemberment coverage in the event of loss of life or limb while flying.

What is the Cost of Travel Insurance?

The trip insurance prices vary based on the type of trip purchase, when you are traveling and the length of your trip.

Here are the prices for the Funjet Vacations All-in-One Travel Protection:

All-In-One Travel ProtectionUS CitiesMexico & Dominican RepublicCaribbean, Hawaii & Central America
1-4 Nights5+ Nights1-4 Nights5+ Nights1-4 Nights5+ Nights
Hotel Only$39.99$69.99$59.99$89.99$64.99$99.99
Air-Inclusive Packages$69.99$99.99$79.99$129.99$89.99$139.99
       
Penalty Waiver Only1-4 Nights5+ Nights1-4 Nights5+ Nights1-4 Nights5+ Nights
Hotel Only$19.99$49.99$29.99$59.99$39.99$69.99
Air-Inclusive Packages$39.99$69.99$49.99$79.99$59.99$89.99

All prices are per person. Charter Air Only...just $39.99 adult and child.

Kids 2-17 are 1/2 price and infants are covered under parents' policies when all adults buy full coverage.

And here are the prices when you book Apple Vacations:

about_avok

Note that the prices on Apple Vacations are slightly different. However, Apple does offers a less expensive option where instead of cash back, you get a travel credit that you can use to rebook your trip for a later date in the event you have to cancel.

When Do I Have to Purchase Travel Insurance?

For the benefits and inclusions that I have been highlighting here on Apple Vacations and Funjet Vacations, you have to purchase the insurance within 7 days of booking your trip. If after this time you decide you would like to purchase a travel insurance policy, we also work with insurance providers such as Allianz or Travelguard.

What Else Do I Need to Know?

  • "No Show" situations where the traveler does not check in or is denied boarding to the flight are not covered.
  • Flights not purchased through us as a part of your vacation package are not covered
  • If the number of individuals occupying a room decreases, the remaining travelers will be responsible for additional costs incurred as a result of a change in room rates due to the change in the number of occupants.

Get a FREE Checked Bag on Value/Charter Flights

A checked bag can cost $20-30 on certain charter flights operated by Funjet Vacations and Apple Vacations. With the purchase of insurance these charges are waived for the first bag checked by each traveler.

Note: FREE Checked Bag Inclusion Does Not Apply to Flights Operated By Frontier Airlines for Trips Purchased After October 27, 2016.

If you should have additional questions about booking your beach vacation or about the travel protection plans, please don't hesitate to call our office at 877-404-4228

or e-mail info@SunsationalBeachVacations.com



           

 

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WHY BOOK WITH US?
We are not your typical online travel website or travel agency. We take absolute joy in helping our clients experience some of the most beautiful and amazing places on the planet.

We specifically chose to specialize in the beaches for the way it makes us feel everytime we go there. We want to pass on that feeling and our passion for Mexico, the Caribbean, Hawaii and the many other beach destinations through the highest level of attention and service to our valued clients.

So Why Book With Us?

#1-We Are Your Beach Vacation Experts With Over 40 Years of Experience
#2-We Do the Research and Have Access to the Best Prices and Special Promotional Offers
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Tom Brussow
President

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What Do Our Clients Have to Say? Here's Some Feedback We Recently Received:

Destination: Riviera Maya, MX
Resort: Secrets Silversands

We had such a great time at the Secrets Silversands Riviera Cancun. I also was very happy that I got to work with you to coordinate the group travel event for us and all of our guests. You were super nice, always helpful, and willing to listen to all of my questions! I always felt like you were available to talk and discuss things and followed up with responses to my questions very rapidly. I had positive feedback from my guests that you were very nice and easy to work with. I would certainly work with you again on travel arrangements!

Destination: Punta Cana
Resort: Breathless

We all had an AMAZING time at Breathless! The hotel was great, food was actually a lot better than I expected, drinks and staff were awesome as well. I think how lively the resort was worked out perfect for all ten of us who wanted to party and celebrate the boys’ 30th birthday. We were very satisfied with your recommendation and will certainly be using you in the future for our next vacation.

Thanks again for all of your help!—I wish we were still on the beach!

Destination: Riviera Maya, MX
Resort: El Dorado Casitas Royale, By Karisma

Tom,
What an amazing trip you planned for us. It was everything we wanted and more!!! The hotel was amazing, the food was spectacular, and the service was impeccable. We truly lived like royalty. Makes coming back to the real world quite a bummer. We've already begun telling people about the property and referring them to contact you.
We would love to look into a trip around the same time next year.
Again, thank you for making this trip so fantastic and easy to put together.

Nothing but smiles here and we are 1000% (that's not a typo ) satisfied with you and everything involved with the trip.

Thanks again!!

Chris and Angela
Dallas, TX

Destination: Punta Cana, DR
Resort: Hard Rock Resort & Casino

"My husband and I decided to get married in Mexico at Iberostar Grand over Labor Day weekend. It was a large destination wedding as we had 130 guests traveling. Tom and his group did a phenomenal job of coordinating everyone's accommodations, travel plans and transportation. As far as I know, there was not one guest that had any difficulty with their trip. Everyone arrived safely and on time! Tom made himself available for discussion at all hours throughout the planning process and was never difficult to reach. He was extremely knowledgable about the area we were traveling to and worked with the people at Iberostar to provide all of our guests with the getaway they deserved. We will use Tom over and over again for our future group travels and recommend him to anyone getting married :)"

Kristin & Rob
Iberostar Grand
Riviera Maya, Mexico
September 2014


"Tom helped us book our engagement trip. We then needed to discuss wedding stuff. After much debate and family discussions, Deanna and I decided to do a destination wedding in Mexico, and decided that we had such success with Tom helping just us two, that we would love to use him again. He was extremely helpful in getting everything organized for us. From helping friends and relatives book flights, nights stays, discount programs, transfers to and from the airport and working in close connection with Apple to make sure everybody arrived safe and sound. To say that we were beyond happy and pleased would be an understatement. EVERYTHING was perfect, flawless and extremely stress free. Deanna and I want to thank Tom for everything to make our trips so wonderful!!! He has been a part of our engagement, wedding/honeymoon and hopefully trips here in the near future. I highly recommend using his services."

Deanna & Joe
Secrets Silversands
Riviera Maya
March 2014


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