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Is Travel Insurance Important?

Imagine this: you're gearing up for an incredible adventure—be it a thrilling animal safari or a serene beachside yoga retreat. The excitement is palpable, yet there’s a critical component that often gets overlooked amidst the allure of itineraries and accommodations—travel insurance. While it's tempting to view this as an extra expense, the harsh reality is that unexpected events can swiftly turn a dream vacation into a financial nightmare.

Travel insurance is not glamorous, but it is a cornerstone of responsible planning. It cannot and should not be ignored.

An annual travel policy is a wise choice since it comprehensively covers all aspects of your life: business, roadtrips, holidays, conventions, contests, hobbies, sporting events, camping trips and more. Meanwhile, single-trip policies certainly have their place if you are taking a specialized trip (like an African safari for instance) or if you aren’t much of a traveler. Single and annual policies can close the gap on expenditures for covered medical emergencies, baggage delays, trip interruptions, flight cancellations and more.

If you take at least two trips a year, an annual policy working for you 365 days a year is the preferable investment….with some policies often costing less than $200 per year. Need help finding the perfect policy to fit your unique situation? Let me help.



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Travel Insurance

Travel Insurance: Protecting Your Adventures, Investments, and Peace of Mind

March 13, 20243 min read

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I feel like travel insurance is the broccoli of the travel industry. We know we need it, but it's not sexy.

As travel enthusiasts, we imagine journeys with adventure, relaxation, or reconnection with loved ones. Yet, sometimes our fantasies derail a crucial planning step: travel insurance. While it's easy to dismiss the idea, considering it an "unnecessary expense," the reality is that unforeseen circumstances can quickly turn our dream vacation into a financial nightmare. That's where annual travel insurance comes into play.

But more on that in a moment.

Do you travel once a year? If you're someone who typically has a single "big" vacation once a year, relying on the insurance provided by the cruise ship or an all-inclusive might suffice...but wait for it. Do you travel frequently for work? And do you enjoy camping trips and short weekends, road trips or flights, to see family and friends?

If so, an annual travel policy is a much better use of your resources.

Most "one trip" policies (all-inclusive resorts, cruise lines, etc.) are $100-250 per person, only covering profound medical catastrophes, but what if you could spend that same amount and have more robust insurance that covers you 365 days per year?

One of the significant advantages of an annual policy is its versatility. Unlike single-trip policies that often come a mountain of limitations and exclusions, an annual policy provides broader protection, ensuring peace of mind. Moreover, annual travel insurance typically offers more flexibility and easier claim processing. Annual polices rarely have features like "cancel for any reason", but they do provide coverage for non-catastrophic medical issues, baggage delays, cancelled flights, and so much more.

Annual travel insurance is surprisingly affordable, especially when compared to the potential costs of medical emergencies or trip cancellations. Investing a relatively small amount upfront can save you from significant financial burdens down the line. Consider the story of uninsured travelers who arrived at the dock just in time to see their cruise ship sail away due to a flight delay. Or what about the 4-person family whose vacation plans are derailed by the sudden illness of one?

Listen, I am always on the go, and my policy is less than $200 per year, so what if $200 could save you an $8k investment (not even thinking about smaller trips throughout the year). Would that be money well-spent?

When selecting an annual travel insurance policy, it's crucial to consider your specific needs and circumstances. Factors like pre-existing health conditions, the type of trips you typically take (base jumping vs spa retreats), and the level of coverage required for both pre-departure and during-trip incidents should all be taken into account. Read the various options to find the one that suits you.

In summary, annual travel insurance offers comprehensive protection for frequent travelers, safeguarding you and loved ones from the unexpected. While it may seem like an additional expense, the peace of mind and financial security it provides far outweigh the cost. After all, a transformative and worry-free journey is the best souvenir you can bring back from your travels.

To learn more, download this free guide to travel insurance! CLICK HERE

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Lisa Farrimond

Travel Agent

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Hillary Mayrhofer


Lisa is an amazing travel agent! She booked my Cruise and found some amazing deals and excursions for me! She was very knowledgeable and helpful with answering all of my questions, since this was my first time taking a Cruise. I had no idea what to expect. I will definitely be using her services for my next trip!

Jerad Carpenter


I had the pleasure of booking a cruise through Lisa. She has a wealth of knowledge when it comes to the ins-and-outs of a cruise ship. The tips she gave me from arriving to the ship and leaving was spot on. It made my life and planning so much easier. I will definitely be using her services in the future.

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