Taking a Memorial Day Trip? Rest Easier with Travel Insurance

Car with motion blur driving down road with passengers that have travel insurance for a Memorial Day trip

Last year, 37.2 million Americans traveled more than 50 miles from home during their Memorial Day trip and on roads that were typically clogged. And while Memorial Day weekend is synonymous with hitting the road, more and more Americans are opting to fly, with around 2.6 million people taking flight during one of the busiest holiday weekends of the year.

When you're getting ready to go on vacation, you're in an optimistic frame of mind—envisioning yourself sitting on the black sands of Caribbean Costa Rica, sipping a Mai-Tai on the porch of a deluxe Florida vacation rental or backpacking through Bavaria—not what could go wrong during your trip.

Travel insurance for your holiday weekend

"Losing luggage, missing your flight, getting sick or encountering adverse weather are not typically top-of-mind when planning a trip, unless you're inclined to worry," says Bob Chambers, vice president of operations at Generali Global Assistance." Anyone planning a trip, whether domestic or international, should consider travel insurance to help protect them and their traveling companions in case things don't turn out as planned."

Whether traveling by plane or in a packed car on your Memorial Day trip, travelers should review their own insurance coverages, see where the gaps may be and consider travel insurance based on their specific needs. 

Consider these facts when planning your Memorial Day Trip

  • Chances are, this is the only trip you'll take all year. It's no secret that Americans are vacation-starved. A survey by online travel publication Skift found that 40.5% of Americans didn't take a single vacation day in 2015. Some 32% took 10 days or less. If this Memorial Day trip is your one and only vacation this year and you or someone in your family gets sick, then you could be out of luck if you rented that deluxe vacation home or have non-refundable airline tickets. Travel insurance may reimburse those non-refundable, prepaid trip costs.

  • Problems happen more often than you think. One in six U.S. adults had to cancel or interrupt their travel plans, or had their trip delayed. And, of those affected, only 22% had travel insurance, according to a recent U.S. Travel Insurance Association survey. Those issues only get worse during a busy holiday weekend. Travel insurance plans are designed to help protect travelers from certain unexpected events that can occur before and during a trip.

  • Your medical insurance may not apply overseas. If you have a medical emergency in a foreign country, you may be stuck paying your bills because many health insurance plans don't apply once you leave the U.S. When traveling abroad, the U.S. Department of State advises travelers to learn what medical services and evacuation features your health insurance will cover overseas to ensure you're properly protected in the event of an emergency. When selecting a travel insurance plan, consider one that offers medical and dental coverages that fit your individual needs.

Chances are you've worked hard to make this Memorial Day trip happen. You can't rule out all of the what-ifs. But by being proactive, talking to experts such as Generali Global Assistance, and thinking through various situations without dwelling too much on the negative, you can enjoy more peace of mind as you sit on that beach.

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