Are you advertising to thieves?
You’re going on vacation or a business trip and you want to share this adventure via pictures with your Facebook, Twitter, and Instagram followers, right? Don’t we all want to make our friends the tiniest bit envious of our good fortune?
Well, David Walsh, chief executive of Netwatch, a security monitoring service, issued a warning to property owners, saying that there had been a growing number of offline incidents resulting from information shared online. “Social networks have become part of our daily lives, but people need to consider the risks of posting their location on these sites. Facebook burglaries are real and growing in popularity. You may think that checking in at the airport is a nice way to let your friends and family know that you’re going on holiday, but in reality you are also letting people know that your home is empty and an easy target,” he added. “If you want to share your holiday plans, don’t do it in real time, wait until you are safely home.”
Did you know that you can insure your home while you’re away? According to InsureMe.com, “Never leave home on your summer vacation without making sure you have adequate home insurance protection for your house and belongings”.
There is, however, another type of insurance you should look into when planning your next vacation or business trip…. travel insurance! This week’s guest blogger is Loreene Orgoralini, Owner of Can I Go Too?. She knows all about how to make our vacations and business trips less costly, and is an avid supporter of having travel insurance.
Let’s take a look at what she has to share….
Travel Insurance – Take Cover
Are you covered or just hanging out?
How do you know if you are covered? Have you checked?
When you take off on that business trip, did you remember to purchase travel insurance?
Travel insurance sounds so boring but it is one of most overlooked yet important things to remember before you take that trip. Ask anyone who has made an insurance claim that they never thought they would have to make.
What would happen if…..
Most people think travel insurance is good in case you change your mind about traveling, but its way more than that. What if you catch your plane but miss a connection? What if you lose your bag (I should say what if the Airline loses your bag)? What if that bag is only delayed? (12 hours or more) What if your trip is interrupted – you got called home for an emergency? What if you have an accident/sickness/ or any medical emergency? Or the unimaginable – you have a fatal accident!
Some of my clients -and myself- have experienced these moments. Things happen when you least expect them.
You know you should leave your valuables at home, but you just couldn’t resist taking that gorgeous jewelry that would go so well with that outfit. Someone else thought it was gorgeous, too, and now it’s gone.
Everything was fine at home when you left, but that message on your phone says it’s not. You have to get home immediately because your family member is in the hospital.
You booked that flight on the internet along with that fabulous looking hotel and now you find out the airline just went bankrupt. Other airlines might try to find you something (at a cost), but what if they can’t.
You booked your trip and now your fiancé gets called for active duty in the Army?
Terrorism is on the move, you never know when they will turn up and your trip is affected?
You were having a wonderful time on your vacation and suddenly there is a volcano eruption in Iceland? (Remember that one?) Or a hurricane in Cabo San Lucas! Will you make it home?
You rented a motor scooter in Aruba for a fun time but it turned into a nightmare. You had an accident and the first thing they asked you when someone finally arrived to help was “Do you have any insurance?” You are now calling all your family/friends to try to get some $$ wired to you so you can get some “local” help – how scary is that!
You were taking some awesome photos on a shore excursion but you left the camera in the cab!!
You woke up this morning and your hair was a mess! You couldn’t possibly go on that cruise looking like this! Yes, they have insurance to cover ANY REASON.
What happens now…
Now you are wondering “How much is this going to cost?” Well, the good news is that it is less expensive than you think…and for sure less than the cost of NOT having travel insurance.
The price of most travel insurance is based on what your trip cost is and your age at the time of travel. As you can see that can vary from trip to trip. More good news…. If you are traveling for business you might be able to deduct some of the cost.
There are some instances where you can deduct a portion of your travel insurance premiums from your payable tax amount.
Here is a quote from Insuranceqna.com: “If you are employed, you may use a portion of the premium that is used to pay for emergency medical coverage. If you are self-employed, you may use a part of the travel health insurance as a tax deduction. The trip, however, should be for business purposes only, that is, it is related to your work as a self-employed business person.” Read More
So, what do you think? Will you be purchasing travel insurance for your next get-away? Do you have any stories you’d like to share about either how travel insurance saved the day – or that you wished you had purchased insurance? Leave your comments in the comment box below.
Loreene Orgoralini is the owner of Can I Go, Too? a boutique travel agency bringing extraordinary experiences to extraordinary clients for 12 years.
If you need some advice trying to figure out “How to get Covered”, let Loreene help you with the blanket. Just give her a call at 949-350-3568 or check out Travel Insurance on her Resources page.