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Travel Insurance: Do You Need It?

Travel Insurance Do You Need It

October 8, 2018 – by Primo Management Group

Travel Insurance Do You Need It

Is travel insurance a necessity or a waste of money?

Everyone hopes for a flawless, easy vacation. But what if something goes wrong far from home? That’s when you need travel insurance. On the other hand, most of the time, you aren’t going to use it. So how do you know? Read on for the basics on what it is, when you need it, and when you don’t.

What Is Travel Insurance?

Travel insurance is an additional insurance policy covering travelers in certain situations while they’re away. There are two basic types of coverage. One covers just your flight. The other covers various emergencies you might encounter such as medical traumas, natural disasters, terrorism, and more. The exact situations covered will depend on the policy you purchase. You can purchase plans through independent providers or through your travel provider. But why would you want to add another expense to your travel budget? Well, some kinds of travel are riskier than others. Let’s look at when travel insurance is a must-have and when you might skip it.

Flight Coverage Only

Travel insurance covering flights only is not generally necessary. Yes, flights can be delayed or even canceled, but as a paying customer, you have rights in these situations. If your flight is canceled, the airline will likely put you on the next available flight, so extra insurance wouldn’t make a difference. Save your money and upgrade to business class!

Domestic Travel

Domestic travel does not typically require travel insurance. If you’re just doing a short (or short-ish) domestic trip where you can rely on your own health coverage, you’re unlikely to encounter any issues you can’t handle. Save your money for a dinner out! However, if you’re going to be climbing Denali or engaging in extreme sports in remote areas, consider medical or evacuation coverage to supplement your existing health coverage.

You’re Already Covered

Some credit cards offer travel insurance as a benefit. Check your wallet to see what you have, if you’re covered and for how much. If your card covers more than the cost of your trip, you could be all set. But keep in mind that coverage varies by card. If you have specific concerns, get all the details before you decide.

International Travel

We highly recommend travel insurance for international travel. These trips are typically much more expensive than domestic travel, so losses may be much higher. People also plan these trips far in advance. That’s great for getting the best price but it raises the chances you may need to change or cancel your plans. Coverage for international travel can help. International travelers are also at greater risks for medical issues. More on that next.

Medical Concerns

When you’re far from home and far from familiar medical facilities, travel insurance is a very good idea. In addition to the risks of international travel listed above, international travelers are often far from medical treatment. Add the risks of food poisoning and illness from eating from street vendors in Mumbai or breaking your wrist falling off your motorbike in Thailand, and medical costs could really add up. And if you need to be evacuated in the event of an emergency, it can easily cost up to $50,000 (Source: US State Department).


Like international travel, cruises are also expensive and need to be booked far in advance. In addition, a vacation at sea is at the whim of Mother Nature. Hurricanes, rough seas and other weather issues can leave your ship landlocked. Finally, we’ve all heard stories of seasickness and ship-wide stomach viruses that leave travelers miserable. Why take chances? Get insurance for your cruise.

We hope you have a great vacation with the peace of mind insurance can provide. For more tips on what to do when things go wrong on vacation, click here.

(Image Source: Pixabay)


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Frequently Asked Questions ?

How does PMG get me out of my timeshare contract?

PMG is not a resale, transfer, or donation company. We are consumer advocates—we help to negotiate the release of your timeshare contract obligation. We do not buy, sell, or rent your timeshare. Simply put, we help you to get out of your timeshare contract forever.

How long does the process usually take?

Usually less than 12 months, but it all depends on your situation. Let us help you. Speak to your advisor about the time, and what delays the resorts have put into place to prevent timeshare owners from departing their ownership. If you have a mortgage or past due maintenance fee, the process takes more time.

How much is my timeshare worth?

This is probably going to hurt, but whether you paid $5,000 or $50,000 for your timeshare, the IRS values all timeshares as worthless investments. In addition, that timeshare would have negative value due to the annual maintenance fee bill which compounds year after year. That is until PMG helps you cancel your timeshare.

Can I use your service if I still have a balance owed on my mortgage?

Yes. Whether you bought your timeshare 20 days ago or 20 years ago, PMG has a solution for you and is here to help.

Will my name be off the timeshare?

Yes! Permanently! GUARANTEED!

In addition to getting me out of my timeshare, can you recover the money I’ve already spent on mortgage payments and maintenance fees?

While we are able to recover money in rare cases, beware of any timeshare cancellation company that entices you with the promise of fund recovery. The truth is, the resorts are loath to give back the money they’ve already taken for timeshares.

Are your consumer advocates really “consumer advocates”, or is that just a fancy word for salesperson?

Because most of our clients have had their trust betrayed by timeshare salespeople, we understand how some consumers can become a bit jaded. When you call us for a consultation, that’s exactly what you get, a consultation. At PMG, our job is not to sell you; our job is to help you get out of your timeshare. Which is why we have numerous 5-star reviews and an “A” (excellent) rating from the BCA.

Why should I choose PMG to get me out of my timeshare?

We go above and beyond for our customers by helping to protect you, and have the best success rate in the industry, rated 5-stars by clients. We pride ourselves on providing our customers with the best customer service in the industry. When you contact our company, you speak to a live person, not an automated system or voicemail. We offer a 100% money back guarantee, and we can provide documented proof of our success in helping customers just like you.

What happens after I sign up with you? Will I be apprised of your progress?

At PMG, we pride ourselves on our hands-on, boutique-style customer service, so every new client will work with our expert, experienced team whose job is to keep you in the loop throughout the entire cancellation process. We are always just a phone call away.

How much is your fee?

Not all timeshare experiences are created equal. Some are more complicated than others, and every situation is different. That’s why our trained timeshare elimination consultants will ask you a series of questions designed to determine exactly what needs to be done to terminate your timeshare, how long it will take, and how they can best advocate for you. We will always seek the most cost-effective route for you.

What if I still have more questions?

Canceling a timeshare contract is not a cookie cutter process. With each situation being unique, once you complete the form below an experienced consumer advocate will call you today to discuss your options.