Why Travel Insurance is Important for Beach Vacations
Planning a beach vacation is exciting, with visions of sun-kissed shores, refreshing waves, and endless relaxation. But, as much as we might not want to think about it, it's crucial to recognize the potential risks that come with beachfront vacations.
Water-related accidents and injuries, storms and hurricanes, damaged beach gear, and other beach-specific risks can quickly turn your dream getaway into a nightmare. That's why having travel insurance is essential.
Before you dig your toes in the sand, consider getting travel protection that may help with the unexpected twists and turns that may arise during your beach retreat.
Here are some examples:
Water-Related Accidents and Injuries
Water is beautiful and fun, but it can also be dangerous – and not just in one way. Water has more ways to ruin a vacation than there are colors in a coral reef.
Water can fall from the sky by the buckets-full. It can rise to the point where your beachfront rental now has a swim-up bar. It can have rip currents, red tides, tsunami waves, sharp coral and poisonous fish.
Seriously, water is dangerous. It has many ways to mess up a vacation, so remember that when you’re watching the sunset across acres of it.
Having insurance with coverage for water-related medical emergencies is essential for anyone renting a beachfront property.
Storms and Hurricanes
This was mostly covered in the previous section, but large bodies of water create atmospheric instability, which can lead to rain that more closely resembles Niagara Falls than your garden-variety thundershower.
Couple that with 100-mile-an-hour straight-line winds and even the most stormproof structure is likely going to make some concessions.
The remedy? Choose insurance that helps protect you when water makes your vacation rental (or your actual home) uninhabitable or a mandatory evacuation rears its ugly head.
Rental Car Damage
When a palm tree falls on your rental car in a hurricane, you do not want to cover that with cash or put that on your auto insurance policy. You want someone else covering that.
Fortunately, Generali’s plans offer Rental Car Damage coverage, either as a coverage that's included with the plan or as an optional add-on coverage, depending on the plan you purchase. It provides coverage if your rental car is damaged from collision, theft, vandalism, natural disasters or any other cause beyond your control during your trip.
Beach Gear
Many beachfront accomodations provide amenities like surfboards, snorkeling gear, and other beach equipment. But maybe you brought your own.
Generali plans include coverage for loss, theft, or damage to your baggage and personal effects during your trip. So, if your own surfboard or scuba gear is damaged on your trip, you may be reimbursed up to the policy limit.
Likewise, if your luggage gets delayed for the amount of time specified in your plan documents – you make it to your destination, but your stuff doesn’t -- plans also come with Baggage Delay coverage, which may help you pay for a swimsuit and other items that you'll need to keep your vacation a vacation until your bags show up.
Beach Risks
So many ways to get hurt on a beach, from swimming into jellyfish to stepping into a tunnel to China dug by an ambitious six-year-old.
Coverage from Generali may help protect your vacation from a plethora of beach-related mishaps.
Contact your travel advisor and get your travel insurance quote … then it’s time to hit the beach!
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