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?

Have you been considering purchasing Payment Protection Insurance (PPI) but the bank you are dealing with is high pressuring you and you want time to think about it and perhaps shop around? Truth be told, most banks want you to buy from them, as they make huge profits off their highly overpriced insurance. If you want to find out more information, and find the best possible premiums you are best to find a private provider or specialist. They can also give you the correct information and exclusions so you are not mis-sold payment protection insurance and you know all facts before you buy.

If you are considering PPI it is probably true you already know what it is for. This insurance will help repay your loans, mortgage and credit cards in the event you are hurt from an accident, or you are ill or you become unemployed. Typically one must wait from 31 days up to 90 days to file their PPI claims once they are out of work for cover to begin. At the most this will run for 24 months, but in most cases 12 months is the norm.

It is imperative that you read all the fine print and ask all the right questions prior to agreeing to purchase this cover. In the event you were not informed of a specific exclusion and then it happens your PPI claims could be and most likely would be denied.

We have put together a few key questions to ask the agent before you purchase PPI:
1. If you are self-employed will you be covered?
2. What are the terms of repayment?
3. What are some of the exclusions such as medical conditions?
4. Will you be covered if you become unemployed or if your job becomes redundant?
5. What is the final price you will be paying when the PPI is paid off?
6. Can you cancel it at any time?
7. What type of medical conditions are not covered?
8. Be sure to ask to look over the policy and or terms.

You really do not want to be mis sold payment protection insurance, it is best to ask these questions. Also, do not allow the lender to persuade you into buying the cover by them telling you it is mandatory. This is not allowed and can also be cause to file a reclaim if you ever chose. Be sure to shop around for the best premiums on PPI.