What would you do if you and your family planed a wonderful Cruise Vacation and your connecting flight was delayed and the ship sailed without you?

There are hundreds of particulars that could cause you to cancel your vacation, miss your connecting flight, return home early or make you seek emergency medical treatment while traveling.

Here is a list of 10 common examples of what could go wrong and why you should invest in Travel Insurance and Emergency Travel Services.

1) You arrive at your destination and your luggage is missing. Who will help you find it if it is lost? If your luggage goes on a separate vacation, who will pay for your essentials until your luggage joins you? If it was stolen who will pay to replace it?

2) Your airline, cruise line or tour operator goes out of business and you already paid for your tickets. Most tickets are non-refundable. Who will help you with the refunds and get you to your destination?

3) You and your families flight is delayed and you must catch a connecting flight. Now what do you do?

4) Your bag was lost with all your medicine inside. You need to find the bag as quickly as possible or have your emergency prescription filled. Who is going to help you in a strange city/country?

5) You are travelling abroad and your passport and wallet are stolen. How do you replace your passport and where can you get emergency cash?

6) A few weeks before you leave a natural/terrorist incident occurs where you were scheduled to visit. Who will pay if you cancel your trip?

7) If a family member becomes ill and you must cancel your vacation, how do you get your non-refundable deposits back?

While you are on vacation you are forced to evacuate due to impending weather or a terrorist treat. Who will reimburse you for your lost vacation?

9) A family member needs emergency medical treatment and needs to be evacuated. Who will help arrange and pay for it?

10) You are in a non-English speaking country and get sick. Who will help you find an English-speaking doctor?

Travel insurance is a short term or temporary insurance that, depending on the terms of the plan you choose, can provide coverage for the medical and financial expenses due to sickness, accident, loss or damage of luggage during travelling. Travel insurance serves a varied clientele such as students, businessmen, leisure travelers, adventure travelers and many others. Travel insurance is meant to be protecting you when you are traveling. It will protect you against things such as medical cost, cancellation of trips, etc. As a result, it is always smart to purchase a travel insurance before you travel. Below are some of the situations that a travel insurance will normally covers.

As mentioned, the insurance will usually cover your medical expenses in case you need any medical care. If evacuation is needed, in most cases it will also be covered. The cost of hiring a helicopter for evacuation can be huge, especially when you are traveling to places such as Antarctica. However, if you have any pre-existing health problem before you travel, you have to consult the insurance company to see to what extent the policy will cover.

Most policy will also cover death of the travelers. Basically there can be three different situations. Some policies will only cover death when the traveler is taking a plane. Some policy will cover death when the traveler is traveling on any kind of public transports. And the third one is that it will cover death during the trip. The premium for different policies will certainly be different. Again, you should consult the insurance company for all the details.

Besides conditions related to the heath and life of the traveler, travel insurance policies will also cover expenses when there are accidents. You have to book the flight and hotels for your trip. If it has to be canceled for some reasons, the insurance may cover the costs of the flight and hotels you have paid. In the event of delay of flights when you are coming back from the trip, the policies may also cover the cost associated with accommodations.

Apart from the above, if you have rented a car during your trip and there is an accident which damage the car. The insurance can cover the damages of the cars. In some cases the third party liabilities may also be covered. Yet it will totally depend on the policy of the insurance. There can also be loss of luggage during the trip. This happens from time to time. A lot of people find that the luggages are lost after a flight. You can get the loss covered by a travel insurance. In some cases you may not get cash back.