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We often get asked by customers if travel insurance is worth it. Like any insurance, it seems like wasted money if you never have to collect, but if you do have to make a claim, it seems like a really smart move.  We’re used to insuring our cars, houses, boats and even our lives, but many people don’t really understand travel insurance. Further, many people think that travel insurance is one of those types of insurance policies that are almost impossible to collect on. So hopefully with this article we can provide you some additional information so you can make an informed decision.

We think travel insurance is a bargain. For an average trip to the Caribbean costing say $3,000, including airfare, the cost of the insurance will be $130 to $160.  The price is determined by the cost of travel, destination, age of travelers, and travel dates.  But in general, it’s about the cost of dinner out at good restaurant.  For that, you can make a claim for the cost of your trip for a variety of reasons, including such things as job loss, health issues with you or someone close to you, death in the family, weather, and transportation issues.  In addition, the insurance will pay, with obvious limitations, for certain medical expenses, dental expenses, baggage delays, missed flights and loss of baggage.  Obviously the policies include a lot of fine print, but the bottom line is that you get a lot of coverage, and when there is a problem, our experience is that our travel insurance provider pays.  You can check more on coverage at this link: Travel Guard.

As important as the coverage, is why you need to coverage. Some travelers who book hotels in the United States understand that if you book into, let’s say, the Hilton in Chicago, that you can probably cancel or change that reservation with a couples of days notice.  Many hotels only require 24 hours notice.  But that is not the world of resorts.  Most resorts have strict cancellation policies, which vary but may provide no refunds even if your trip is cancelled 60 days or more from your arrival date. And once you pay us, and we have sent the money to the resort, it is all in the resort’s hands.  Once in a while we get lucky and convince a resort to allow a guest to change their dates, or apply part of a paid reservation to a future reservation, but most of the time if the trip is cancelled less than 60 days prior to arrival, and if we have paid the resort, the money is gone.  You will not get a refund of any sort.  And don’t try to charge it back on your credit card—you won’t win.

Many of us who have travelled a lot, think we’ll never need the insurance. But in the past month we have had about a dozen customers who have had to cancel their vacations.  The reasons vary but include wife in the hospital, mother in the hospital, house in foreclosure, change in work schedule, loss of job, marital problems, weather and more.  Now, in a couple of these cases, the customers had travel insurance, and collected. But most of these customers did not have travel insurance.  When asked why they didn’t buy travel insurance, some responded that they didn’t think it was necessary, or they didn’t understand it fully, or they just forgot.

We don’t want to be pushy to get our customers to buy things they don’t think they need. So we don’t push it too hard.  But after listening to our customers who have lost thousands of dollars because they didn’t have travel insurance, we think we need to make the case for travel insurance.  Our recommendation—buy the insurance.  Don’t risk losing your vacation money when health, work, family and nature get in the way.  And sooner or later, it will.  You can purchase travel insurance and find more information at Travel Guard.

Connect with other travelers and hear what they have to say at the World Exotic Travel Club.

Dream Pleasure Tours Specialists in couples only travel and vacations, swingers travel and vacations, swingers tours, swingers trips, adult onl y travel and vacations, lifestyle travel and vacations, erotic travel and vacations, romantic travel and vacations, clothing optional travel and vacations, nudist travel and vacations, swingers cruises, lifestyle cruises, Hedonism Resorts, Hedonism II, Desire Cancun, Desire Resorts, Caliente Resorts and the sexiest and most sensual vacations on the planet.

 

Desire Pearl

Desire Pearl

Desire Resort Cancun

Desire Pearl is a 5-star resort located just south of Cancun along the beautiful Riviera Maya Coastline. Desire is an All-Inclusive, Couples Only, Clothing Optional and Lifestyle Friendly Resort.
 

Learn more and book Desire Pearl

Hedonism II

Hedo 2

Hedo II

For more than 30 years, Hedonism clothing optional resorts have enjoyed a reputation for shattering inhibitions and provoking the kind of behavior people don’t talk about in polite circles. It’s what happens when you combine warm water, a white-sand beach, open bars, and open minds.
 

Learn more and book Hedo II

Desire Cruise (links to desire website)

Desire Pearl

Desire Cruise

Expand your horizons and explore your fantasies, as you cruise through some of the world’s most exotic destinations along the coastal region of the Western Mediterranean.
 

Click Here to Visit Desire Cruise Website

Naughty Events

Naughty in N'awlins

Naughty Events

Naughty Events is the premier swinger/lifestyle/nudist/BDSM and sex positive events producer in the country - including the amazing Nughty in N'awlins, as well as several other exciting events.
 

Click Here to learn more

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Bliss Cruises

Bliss lifestyle cruises

Bliss Cruises

Bliss Cruise makes it easy for adventuresome couples to enjoy time at sea by offering adult-only, full-ship charters that tour exotic locations from Florida to the Eastern and Western Caribbean. In some areas of the ship, clothing is optional -- but all passengers are at least 21 years and older -- so no need to worry about an under-aged crowd.
 

Click Here to learn more

Desire Riviera Maya

Desire Riviera Maya

Desire Cancun

Desire Resort & Spa Riviera Maya is a couples-only resort, the first and only of its kind in Mexico, located in Cancun’s Riviera Maya. Amazing landscapes and a deliciously erotic atmosphere will unleash your imagination and stimulate your senses throughout your clothing-optional vacation.
 

Learn more and book Desire Riviera Maya

Temptation Resort Cancun

Temptation Resort

Temptation Resort & Spa Cancun

Temptation created a space where adults can be safe, be themselves and just have fun.They have devoted ourselves to creating a completely unique experience that brings people back time and time again. And it shows in the resort’s unparalleled occupancy rate, which is between 80% and 85%, all year round.
 

Click Here to Visit Temptation Website

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Uncategorized
Sexual Information
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