that I was watching MTV Ridiculousness and the host and co-hosts were discussing car rental insurance which led to to think about trip insurance. The host was adamant that the insurance wasn’t necessary. He believed the insurance was a means for the car vendor to get more money for the same rental. The co-host thought the host was being ridiculous. The co-host believed that the expense was minimal relative to the cost and anxiety if the car was damaged during the rental period. For the co-host, the peace of mind was well worth the few extra dollars. The Ridiculousness hosts’ choices were personal preference. Ultimately, the decision to purchase trip insurance is a personal one. Some travelers may simply prefer to take their chances. However, there are a few reasons you might want to consider before declining trip insurance.

Cancellation Coverage

In most circumstances, Hawaii Dream Realty LLC will refund your reservation prepayment for cancellations made 60 days prior to check-in.  For full details on our cancellation policy, visit Vacation Rentals Frequently Asked Questions. If you are concerned that you may need to cancel hen trip insurance can help protect your investment.  The insurance can reimbursing you for prepaid, non-refundable expenses. Trip insurance can provide coverage for cancellations, Cancellations include unforeseen events such as illness, injury, or death in the family, severe weather, natural disasters, or terrorism.

Medical Coverage

If you become ill or injured during your trip, trip insurance can help.  Trip insurance provides coverage for medical expenses, emergency medical evacuation, and repatriation of remains.  For me who, traveled during the pandemic, this was my primary reason for purchasing trip insurance.  Even though I never got sick while traveling, the piece of mind was well worth the cost.  I knew I was going to avoid significant out-of-pocket expenses if I required medical treatment while traveling.

Travel Delay Coverage

Hawaii is a tropical paradise however we have our fair share of hazards. Our typical hazards including active volcanoes, tsunamis, and several storms and hurricanes. While the occurrences of nature’s hazards in infrequent, they do exist.  Nature can cause a travel delay due to circumstances beyond your control.  In such circumstances, trip insurance can provide coverage for additional expenses such as meals and accommodations.

Lost or Stolen Luggage Coverage

Luggage that is lost, stolen, or damaged during your trip can definitely put a damper on your vacation.  Trip insurance can provide coverage for the cost of replacing your belongings.  So the vacation damper becomes an all-expenses paid shopping spree.  The Waikki strip offers many shops and boutiques.

Discussing Trip Insurance

Perhaps the most important benefit when discussing trip insurance is the peace of mind it provides. Piece of mind that you are protected against unexpected events.  This can help you relax and enjoy your vacation.  You will not need to worry or have anxiety about what might go wrong. Purchasing trip insurance can provide valuable protection.  Trip insurance helps ensure you are not left with significant financial losses.  Trip insurance helps cover your unexpected expenses if something goes wrong during your trip.

InsureStays logoHawaii Dream Realty LLC offers trip insurance through InsureStays. InsureStays is an industry leading provider that offers trip insurance at competitive prices.

Click Here To download a brochure on our Trip Cancellation and Travel Insurance Program

The brochure provides an overview of the Standard Travel Protection option and the Cancel for Any Reason Travel Protection.  The insurance is offered when you book through our website.