While a long awaited trip may take weeks (or months) to plan, it can all come undone in a matter of moments when unexpected circumstances arise. All it takes is a canceled flight, extreme weather or simply a bad set of directions, and you may miss the car, boat or train that was supposed to take you where you paid them to go. And while laying on the charm may help you get a refund or reschedule later, don't count on it. The only sure way to protect the investment you've made in your trip is with a solid travel insurance policy.

Family emergencies
An urgent family crisis is one of the rare reasons that a hotel or airline might make an allowance for you, but it's not without limits. The vendor you're dealing with will be setting its own rules about what constitutes an emergency worthy of a refund. Simply being sick or in a car accident may not be enough to trigger a refund under their policies. But with a comprehensive travel insurance policy, that power is moved back to your hands. Subject to the policy wording, and you will be able to recoup your the cost of cancellation fees and non-refundable deposits because if you took out insurance protect yourself when you booked your travels.

Business emergencies
While you hope the office never calls while you're sunning yourself on a sandy beach, it's a harsh reality that this may happen to you. You may get word of a company emergency or a once-in-a-lifetime opportunity to meet with a hard to reach prospect, and you may have to pack up and head out wherever duty calls. But if you protected yourself with a good travel insurance policy ahead of time, you could go where you needed to with full knowledge that you weren't going to lose any of your travel investment. In some cases, the cost of your policy may be able to convert into a tax-deductible expense (check with your tax adviser for details).

Acts of nature
Your airport cares about the weather their planes take off and land in, but they're not going to be concerned about a weather event in your town that puts you behind in getting to the airport. It may be clear skies at the terminal, but if there's a powerful storm snarling traffic and keeping you from getting to your flight, the airport will not see it as their problem, and you will have lost the investment you made. But with travel insurance, you can protect yourself from loss if a weather event or disaster keeps you from making it to your destination.

The "Ripple Effect"
Any unexpected event on your travel itinerary could set off a chain reaction of losses. A grounded plane could cost you a hotel room, or a late in the day theater event or sports game, or any number of time sensitive events on your schedule. And if that happens, you can't count on the kindness of strangers to offer you refunds on all the things you paid for and missed out on. With a travel insurance policy, those worries can disappear and you can rest assured that your travel investment is safe and sound.

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