Posted on 10/25/2016

Travel Insurance

With the recent storms that have affected the Outer Banks, the subject of Trip Insurance is top of mind.  Here is a recent article of the benefits and possible scenarios where you may want to consider keeping the trip insurance.  Atlantic Realty offers the trip insurance to each and every guest because we believe the coverage and benefits greatly outweigh the minimal cost when it comes to your vacation investment!


Why Purchase Trip Insurance?

"Did you want to add trip insurance?"

To many travelers, the addition of trip insurance is not necessary.  So, the question is, DO you really need it? What exactly IS trip insurance and what does it cover?

That's what we'll look at in today's article.

In a nutshell, trip insurance is a vehicle that protects you in the event your trip is interrupted or needs to be cancelled for a variety of reasons.

Trip insurance consists of several parts; weather/travel delay, medical emergencies, employment.  


Being evacuated for a hurricane is what most people think of when they think of trip insurance. And if you're not traveling during hurricane season, it may be tempting to skip it.  However, trip insurance also covers airline delays due to weather, or a road closure preventing access to your destination. (This happens sometimes in the Outer Banks. The house is fine, but the road is not.)  Trip insurance also covers most natural disasters occurring in any state through which you must travel in order to reach your final destination.

Travel Delay

"The best laid plans of Mice and Men often go astray."

This is especially true when it comes to travel. Sometimes it can seem as though the universe is conspiring to keep you from reaching your well-deserved vacation.  We've already covered weather related delays, but other travel delays can be caused by car or airlines experiencing mechanical trouble.

If this is the case, you may need to spend the night en route to your final destination due to these unforeseeable transportation issues.  Trip insurance may cover additional accommodation expenses as well as partial reimbursement for the time missed at your final destination.


Unfortunately, medical emergencies happen without warning. This is why over 80% of  trip insurance claims are related to medical problems.

This can include an accident or a suddenly diagnosed medical condition. Insurance can also cover some temporary medical conditions when those conditions prevent one of the members of your party from traveling. (Proof will be requested.)

Insurance can also cover a situation where an illness or death of a close family member occurs and related circumstances prevent you from traveling.   The medical part of the insurance is highly recommended if you have elderly family members, young children, any family member with ill health, or anyone who might be have a high risk pregnancy.

Job Related  

Temporary or permanent job loss and job transfers can wreck vacation plans.  Military reassignment or leave cancellation can throw a monkey wrench into an upcoming trip.  It is a good practice to be proactive and these situations can be covered when you have purchased trip insurance.

This is a basic over view of the advantages of purchasing trip Insurance. However, decisions are made on a case by case basis. To learn more about Trip insurance, or to speak with a licensed agent, follow this link:

Previous October Outer Banks Events Thanksgiving on the Outer Banks Next