NC man who suffered heart attack in Germany looking for help to get home

Source: NC man who suffered heart attack in Germany looking for help to get home

I am so sorry this is happening to this family but as I am reading this, yet another case of a traveler stuck somewhere away from home, primarily due to lack of funds, all I can think of is, #TravelInsurance! Where is it and why is it not kicking in? Could it be that he actually traveled to Germany without one?  Well, I don’t want to assume anything since I do not have all of the facts but I am almost certain that if there were a valid Trip and Travel Insurance policy in place, this NC husband and father would have his way back home to his wife paid for by now.  I wish them much success with their GoFundMe efforts to make that happen.

I have said this many times before and will continue to do so to all future travelers, please remember this, #Sh!% happens in this life, even when we travel.  Don’t ever risk leaving your country of residence without the security of a valid Trip/Travel Insurance policy.  It really is better to have it and not need it than to need it and not have it. Case in point.


On my Soapbox,… Again, About Travel Insurance!

Most who have had any Travel dealings with me already know this, I am a huge advocate for Travel/Trip Insurance! Folks who have not yet dealt with me personally may also know my stance on this issue since I have touched on this topic before so this should be no surprise, here I go again!

It is my truth and honest opinion that in this day and time of 2015, U.S. citizens should not be traveling anywhere internationally without Trip/Travel Insurance.  If you, as an uninsured traveler cannot withstand the financial blow of a potential hardship if something devastating happens before or during your trip, please rethink your options.  If you cannot afford or just won’t purchase (for no other reason than being “cheap”) the approximate +/-$100 to pay for an insurance plan, you just may want to consider staying home.

The following are the 2 most asked questions that I get when quoting Travel Plans from Travel Guard Insurance.  Here is an excerpt from their FAQ insert:

Q. What else is typically included in a Travel Guard insurance plan?

A. In addition to trip cancellation and interruption, most travel insurance plans include coverage for trip delay, missed connection, baggage and personal effects, baggage delay, medical expense, and emergency evacuation which includes repatriation of remains. 24 hour assistance services are included to help the traveler with things such as emergency medical assistance, lost baggage tracking, emergency cash transfer, emergency or last minute travel arrangements, assistance with replacing lost travel documents, and much more.

Q. How does trip cancellation and interruption coverage apply?

A. It reimburses for forfeited, non-refundable, unused payments or deposits if the insured must cancel or interrupt their trip due to covered reasons. The interruption benefit may also include coverage for additional transportation expenses.

There have been several stories in the news recently about “unforeseen” incidents, accidents and sicknesses that have happened to travelers which resulted in disrupted travel plans.  Here is one of the latest:  “Family leaves on a #Cruise, gets stuck in Mexico when son gets sick from appendicitis.”

Such a nightmare for this family to endure.  Truth be told, situations like this happen much more than what is being shared in the news. If this family had their Passports and a Travel Insurance plan in place, this boy’s emergency appendicitis scare would not have even made the news.  Life happens even when we vacation so please do not let this happen to you.  If you are planning any type of travel, especially out of the United States, be sure to invest in an Insurance plan to protect your financial investment, financial future and Peace of Mind!


Life Happens, Even If and When We Plan To Travel!

A very unfortunate and sad story is in the news this week concerning a family who found out, very unexpectedly, that their 5-year-old has a serious cancer type that required surgery. The issue in the news is, they’ve paid for and were scheduled to leave on a cruise vacation a few months after their son’s unexpected, life changing Cancer diagnosis and now cannot go as the little boy is still recovering from surgery.  The cruiseline would not refund the parent’s money as per the stated contract indicated they would NOT do, for any reason.  There is also some type of  “she-said, he-didn’t say”,  back and forth differing recollections of their initial cancellation discussion as to whether the cruiseline offered to reschedule their cruise in lieu of a refund.  At this point, it’s irrelevant.

Now, as heartbreaking as this story is, folks need to understand; the main reason for Insurance coverage is because crap happens in this life to many people! It often times hits very unexpectedly as in this family’s case and at varying degrees of severity. I have no idea what this family must be going through, am very sorry this has happened to them and can only offer my Prayers for their son’s recovery and better health.

Most, Travel Professionals like myself understand the Cruiselines’ choice to not break the contract guidelines while many others, especially the general public who naturally, being compassionate for this innocent child who has been afflicted with a disease and feeling sympathy for his family are choosing to fuel a fire against the cruiseline for Performance of Contract.

Horrible things happen to good people each and everyday all over this world. Adults as well as children are diagnosed with heartbreaking illnesses, unexpected accidents and deaths occur daily. People lose their jobs or other sources of income and, #LifeHappens to people who are planning to #Travel too. This is one of the reasons why Cruiselines and other Travel Retailers have these “Non-Refundable” contracts in place. Unfortunately, there are TOO MANY people/families dealing with horrible #LifeHappened issues and if businesses start making exceptions to reschedule trips &/or refund money to one family, they would have to refund money to all who are dealing with hardships.

I am a huge advocate for Life Insurance and Travel Insurance so my point here is to, once again, spotlight the importance of investing in an insurance coverage plan.  When you are offered the opportunity to protect yourself and your family financially, in this case, a Cruise Vacation investment, with Travel Insurance coverage and decide not to take it, you can’t then complain when #Crap happens to you and you can’t get your money back. A contract is in place and agreed upon, whether one chooses to read it or not, which clearly states, NO REFUNDS for cancellations, “For Any Reason”, PERIOD!

When a potential traveler declines insurance coverage, what they are effectively stating is that they are already financially prepared for whatever may happen, however horrific, including losing all of the money they have invested into their upcoming trip should an unexpected event happen.  If that’s not your truth then you need to include Insurance in your Travel budget.

Travel Insurance coverage for the "What ifs" in life.

Travel Insurance coverage for the “What ifs” that unexpectedly occur in life.

Please think about that the next time you #Plan2Travel. No one has immunity from life happenings so be sure to include Travel Insurance on your next booking.

Tina Little-Coltrane, Owner/Travel Consultant: TLC Travels’ Tours & Cruises!

Get a Travel Insurance Quote with us from Travel Guard HERE!

Update:… and the news outlets continue to fuel this situation:—> Read all about it here!