Are you prepared for the unexpected?

We all know that life throws us a curve every now and then but this month, Mother Nature has really come with a vengeance this year.  With three major hurricanes #Harvey, #Irma, & #Maria making landfall and causing billions of dollars in damage, major earthquakes in Mexico bringing down buildings in second, not to mention the huge loss of life, and wildfires and earthquakes in California.  Now, to add insult to injury, we are seeing strained political tensions with North Korea and Iran.  

We never know what is going to happen on any given day - are you prepared for the unexpected or even for things you know about?  During Hurricane season (June 1 - November 30) and ove the winter months, I highly recommend getting travel insurance to help protect your investment.  If you have kids or elderly parents, have had a past illness like cancer or any other pre-existing condition that could affect your travel, it is a very good idea to get the insurance. 

Travel insurance covers you for illness, injury or death; plus it will cover you for trip delays or interruption, lost/delayed/damaged baggage.  Most travel insurance policies will help cover medical expenses, emergency medical evacuations and in some cases accidental death & dismemberment.  There are various forms of travel insurance available with travel providers as well as with 3rd party companies.  With travel providers, they may offer a cancel for any reason policy.  This usually means that you have up until 4 to 6 hours before departure to cancel "for any reason" and get a full refund minus the cost of insurance.  Cost can range from $80 to $200 per person.  All other policies have their own list of "covered reasons" on top of what I have mentioned above.  The catch here is that the cost is based not just on the price of your trip but on your age as well - so the older you are and/or the higher cost of your trip, the more expensive it will be.  If you have the option to get a cancel for any reason policy, that is always my first choice but it is good to compare your options avaialable.