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3 reasons to buy insurance for your last-minute trip

December 14, 2006 By Damian Tysdal

3 reasons to buy insurance for your last minute trip

You can get some great deals on airfare and hotels by taking advantage of last minute offers. Oftentimes, airlines and hotels have not sold out and are willing to offer huge discounts just to fill the empty spots. This is great for travelers who have some spare time or flexible schedules. But why would you want travel insurance for a last minute trip?

1. Last minute trips are very cheap to insure because you don’t need cancellation coverage

Since it is last minute, you’re pretty sure there is not going to be an accident or illness that causes the trip to be canceled. Trip cancellation coverage is one of the most popular reasons for buying trip insurance, but is also a major factor in premium (cost of insurance). Last minute trip insurance provides a lot of coverage for a little money.

2. Medical emergencies, delayed flights, and lost baggage can still ruin a last minute trip

It is also important to think of medical emergencies. Even on a short, last-minute trip, anything can happen and you could end up in the hospital. In many cases, travelers end up needing medical evacuation requiring special flights, equipment, and personnel. Medical evacuation can easily cost up to $100,000, and is paid out-of-pocket without insurance coverage.

Medical emergencies and evacuation account for some large claim amounts, but there are other reasons to insure last-minute trips.

Lost, damaged, or stolen baggage can also cause plenty of headaches. With the current TSA rules about carry on baggage, more people are checking their luggage and taking less aboard the plane. That means if there is a lost or delayed bag, you are without clothing and other personal items that you might need. Insurance can pay for you to buy some new clothes and other necessities, and ensure a lost or delayed bag does not ruin your trip.

Missed connections and travel delays can also make your relaxing trip turn terrible. If you are forced to stay overnight because of a missed flight, or change flights and pay extra money, that money is paid out-of-pocket. Travel insurance can help you in this situation, and pay for extra expenses. It will definitely give you some extra peace of mind as you travel.

3. Buy today, fly tomorrow

With easy online quotes and purchasing, you can compare policies and find the best deal, buy online with a credit card, and receive an email confirming your coverage right away. This email will have your policy number and some other information. Print it out and you’re set to go. The insurance company will probably send you an actual card in the mail as well, but once you have confirmation of coverage you are set to fly.

Where can I find last-minute travel insurance?

Travel Guard offers several travel insurance plans including their Pack ‘N Go plan made specially for last-minute trips. It provides coverage for medical emergencies, evacuation, and baggage. Visit travelguard.com to read about Pack ‘N Go and other Travel Guard insurance policies.

Filed Under: Learning

About Damian Tysdal

Damian Tysdal is the founder of TravelInsuranceReview, and he believes travel insurance should be easier to understand. See more from Damian on Google+.

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About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

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