Do you need travel insurance? The answer is definitely yes, however there are various types of travel insurance that you will want to consider depending on the type of trip that you are taking and where you are going. Like all insurance one has to ask themselves: What is the probability of making a claim; What will the cost be if I need to make a claim; What is the financial impact if there is a claim? Peace of mind when I travel? and what happens if I need to cancel my trip before I leave or during my trip? These are all valid questions to consider.
Travel Insurance – Types
There are several different types of insurance that the majority of travelers will consider. It also depends on your mode of travel as well.
- Lost and damaged baggage
- Trip cancellation
- Trip interruption
- Health claims
- Car insurance
- Private travel arrangements
We will discuss each one of these briefly for the reader, however if you have additional questions we strongly suggest that you speak to your travel agent and your insurance company. All insurance packages have conditions and it is important to understand what they are to make sure you are covered. For example the most publicized one is the “pre-existing conditions ” clause when it comes to health insurance. Basically they are saying that they will not insure you for any pre-existing conditions, so you are on your own. All insurance documents have these fine print conditions so read the details to make sure you are properly covered in all cases.
Lost and damaged baggage
This applies mainly to people who are traveling by air as well as on cruise ships, however the hotel can also lose your luggage. The airline might cover you for some damages if it is proved that they were at fault, however the money the generally provide is a small percentage of what you probably will have in your luggage. If you cannot take carry-on, then evaluate the risk of losing your luggage vs. the incremental costs of carrying insurance to make a decision. Some credit cards will provide this type of insurance, only if the trip has been charged to that credit card.
Trip cancellation
Trip cancellation can involve significantly more money if you are booking air plus a resort fee of some kind. Trips can be canceled for many reasons by customers due to illness or death in the family. Typically you cannot cancel just because you no longer feel like going. You will have to produce a doctor’s certificate or even a death certificate in order to get your money back. Again evaluate the risk of needing to cancel your trip vs. the incremental costs of carrying insurance to make a decision. Note that you must purchase the cancellation insurance at the time you book the trip and not afterwords. Some trips can cost thousands of dollars so a cancellation can have a far bigger impact on your finances.
Trip interruption
Some times a trip needs to be interrupted due to illness at home or some emergency which causes a traveler to interrupt their trip. Similar to trip cancellation, you will need to evaluate the risk vs. the cost to you to interrupt your trip and fly home.
Health claims
This is the big one, especially if you are traveling in the US from another country or need to be air lifted home. Even a visit to emergency for several hours can cost several thousand dollars and you can be out of pocket for tens of thousands if you need to stay at a hospital for any length of time. Not having health insurance with all of the coverages you need can have catastrophic impact on your financial well being. Purchase health insurance for your travel or do not travel. It is as simple as that.
If you have pre-existing conditions, you will need to fully disclose these conditions and evaluate what will be covered vs. what is not covered before you go. If you do not advise the insurance company about your pre-existing condition and you have a large claim they are going to investigate including checking with your doctor! Don’t be silly about this obtain proper health insurance when you travel.
Car/Van/RV insurance
Some people love to travel by car, van or RV. We have found that it is a good idea to check with your insurance company ahead of time to verify coverage. If you plan to go to Mexico with your car for example, most companies will charge an extra fee to add this coverage to your policy. While traveling in the US is usually included.
Private travel arrangements
Private travel arrangements are usually not insurable. This is a situation were you book a condo or hotel on your own and for some reason need to cancel. If you need to pay in advance, then you are at risk. The best insurance in this situation is to discuss up front with the person or company you are renting from. Determine what the arrangement would be if you needed to cancel for some reason. Make sure you get this in writing so there is no disagreement or confusion later on.
Travel insurance is a really important area ans should not be ignored if you plan to travel. Talk to your travel agent or to your insurance company. Many of the insurance companies have special departments that focus on providing these types of services.
Good luck and travel safely. Comments that will help our readers are much appreciated.

There are many rafting trips available in California. Some suitable for children from 4 years, seniors and those with special needs. There is also some of the wildest White Water Rafting in California or in the nation, so there are really thrills and challenges available for everyone.

When you go on vacation, you already know you are going to spend a lot of money and you may as well be resigned to this fact. After all you have a limited amount of time and you want to make the most of it. What if you are going on a 2 or 3 or 4 month vacation? Staying in hotels and eating in restaurants and the bills can really add up in a hurry. There are countless ways to manage your costs and one of those ways is to split restaurant meals.
happy hours at any local Palm Springs restaurants, you should. This is an excellent way to try out a restaurant to see its decor, service and food without having to spend too much. If you like it, then you can always go back again either for happy hour or for the main course.
We like to sit at the bar. You meet people this way and you get to chat with the bar tender as well. It is a great way to see just how well run the place is, attention to cleanliness and how liberal they are with drinks. Some bars will measure, others will gauge by eye when the fill a wine glass for example. Tropicale does it by gauging when your glass has enough.
They live there along with 100 or so wild burro’s that were let loose when the mining stopped. The minors could not take them with them so they simply let them loose. Today they wander the desert around Oatman and also look for handouts of carrots from the many tourists visiting Oatman.
Never the less, there are beautiful vistas to look at and when you get to Oatman, sure enough, there are lots of wild burros wandering the street looking for handouts!
their money to the wall. When they had used up their funds from either drinking or food, the bartender would remove the money from the wall. This custom has extended to today. However now tourists will pin a dollar bill to the wall and write their names on the dollar.
Did you know that your risk of death rises steadily with every overweight pound you gain? This was confirmed on a huge study funded by the National Institutes of Health . There are lots of reasons for death rates or probability for death rates to increase. We have all heard about smokers and that they tend to die about 5 years earlier on average than every one else who does not smoke. Being over weight can have the same effect or perhaps even more so. This is a serious result, yet people do not listen! Excess Weight Increases Risk of Death and over 50% of our population is overweight.
Colorado river condominiums in Bullhead city, Arizona are just like the name says, right on the Colorado river. They are situated across the river from the casinos in Laughlin Nevada and provide a great view during the day and at night from your balcony.
We recently traveled to the Lake Havasu Resort and Casino in California for a short one day trip. We are staying in Laughlin , Nevada. My wife thought that it would be interesting to go to this casino. We had heard comments we received from fellow travelers the previous year. It sounded like a nice day trip with lunch included so we gave it a try and in the process made a small video which we also link to on this site. It is a very small casino and average food in the restaurant. The following is a short video of the front of the casino in Lake Havasu Camp.
We recently went to the Wynn hotel’s buffet in Las Vegas. We had one of the best meals that I can recall from a buffet perspective. The only other one that tops it is the Mirage hotel buffet from last year.
Rafting Trip – Verde river rafting Perkinsville to Beasley Flat – 55 miles
This is a 3rd post about allergies and asthma. We feel so strongly about this subject that we are devoting four posts to this subject. Our family has to deal with allergies and asthma on a daily basis and spring time is the worst time of year for us. You can also read “Asthma From a Patients Perspective” and “Allergies and Were You Live”, which were our two previous posts. Allergy season is here for us and we are dealing with it the best we can.
which actually faces Highway 111. It can be a bit noisy at times, however, it is a really nice spot to sit, enjoy the sunshine, and gaze at the mountains in the west. The only real negative about this location is the occasional noise from the highway and the occasional homeless person who takes advantage of one of the comfortable seats for a snooze. We only saw this once, but it really does not lend itself to an enjoyable relaxing coffee. Most of the time it is a really nice spot to relax and enjoy a cup of coffee.
92262-6603, United States it is in the central part of Palm Springs within easy walking distance of many motels, hotels and living areas. They are licensed so you can order a beer for example while waiting for your meal.
Restaurant and above Ruby’s Diner. Access is via the stairs or the elevator behind the out door patio on the street level operated by the Ruby’s Diner. By the way this diner is another excellent place to eat as well, especially their breakfast in the mornings. Sitting outside, enjoying the sun having breakfast, what could be better! However this post is all about the Match Box , so we will focus on this restaurant during this post.
You can take an elevator or walk up the stairs from the alleyway just past the Ruby’s diner outdoor patio. The Falls Restaurant is actually a fine dining kind of place complete with table cloths and decor that provides for an intimate dining experience. The menu is excellent and the food measures up to our expectations, which are very high. They also have a happy hour available in the bar area, which is separated from the restaurant area. If you are spending a lot of money for a great meal, you will not be bothered by patrons in the bar area. For excellent dining and a romantic evening, this is the place to spend some time.
balconies look out over Palm Canyon drive, they are two that are large enough for a table of 4 while the 3rd is really for 2 people. There is room for a small heater if needed as well on cooler evenings. We have dined here 4 times, on the balcony that is closed off to the rest of the restaurant by French doors so you can have a private dining experience, yet be part of the action overlooking the street below with the many strollers and hot cars on the street. For us this is the best place to really enjoy a beautiful evening.
pastries following the cookie cutter design that you will find across the country.
trees and several waterfalls that cascade down the mountain into pools of water were you can throw coins as you make a wish for whatever you are dreaming about.
of the hotels around it. This picture shows the saucer as seen from in front of the Wynn Hotel.
see this place to appreciate the difference.
American South Fork White Water Rafting – 21 miles of class III,III+ and IV rapids. Recommended for athletic users only. Other rafting trips involve shorter trips as well. There are half day trips, full day trips and 2 days trips available.