Mike K asked:
I am getting ready to book a trip to Puerto Vallarta and I am debating if I should purchase the optional travel insurance that ranges from $57-$100 a person depending on what site I use to book the trip.
I am getting ready to book a trip to Puerto Vallarta and I am debating if I should purchase the optional travel insurance that ranges from $57-$100 a person depending on what site I use to book the trip.
Generally, no.
Travel insurance is so full of loopholes and exclusions, that even if your trip does get cancelled, chances are excellent that you’ll never recover a dime. It’s basically nothing but a scam to part you from more of your hard-earned dollars.
Travel insurance is not a scam. I am a travel agent and I have seen a lot of people who had to cancel because of death or sickness to immediate family member and they received all of their money back.
Last fall I had a couple that went to Vegas to get married and the day after the wedding the brides father passed away. They called and wanted a flight home immediately. If they did not have the insurance it was going to cost them $800 to fly home on a 1 way plane ticket. They were reimbersed all of their money.
The main reason to get insurance when leaving the US is for the medical. Most insurance does not cover you once you leave the US. Travel insurance has coverage for this. If you were to get injured or sick in Mexico they will not look at you without knowing they will get paid. I always get travel insurance prior to traveling. If I know for sure I will not be canceling then I get no trip cost insurance it is much less and gives me the medical coverage in case anything happens while I am gone. Also gives you trip interruption in case you had medical emergency at home and need to cut your trip short.
Trip delay is the only stickey part. Some will only cover for weather delays of 8-12 hours and do not cover for mechanical delay. You would just have to check the details of the policy you are looking at.
I had someone that did not get insurance and they ended up with a $5000 medical bill from having to make a trip to the hospital.
I hope this helps. Have fun on your trip.
go with and you’ll pay about $25 each.
It is definitely worth the peace of mind, definitely not a scam, they have offices all over the place and will help you if you are in trouble.