Travel Insurance

Once upon a time, a time when I was much younger than I am today, during a period of my life that carried little responsibility when compared to the life I lead today, I felt Travel Insurance was little more than a scam. A way to milk a few extra dollars of profit out of my discount travel arrangements. After all, I was a young Naval Aviator when I first learned of Travel Insurance. I was surely bullet proof, and completely indestructible. Or so I was taught to believe.

As I grow older in life and assume more responsibilities, as I collect more real estate and add little ones to my life. As my parents grow older, and my own bones grow weaker, I realize that I’m neither bullet proof nor indestructible. There are, in fact, plenty of things in my life that could suddenly prevent me from enjoying a very expensive, pre-paid, non-refundable, family ski vacation. And I now realize that Travel Insurance may not be the scam I once thought it was.

So if you’re thinking to yourself, well I’m still young and indestructible, what do I need Travel Insurance for? I say, good for you! I was once equally bullet proof. But consider all of the things in your life that can go wrong before you say “no” to that seemingly devious offer of insurance. What if your skis are lost by the airline and it takes them until the end of your vacation to find them? What if your ski buddy breaks his/her leg? What if a pipe breaks in your home just hours before departure? What if a family member suddenly takes ill? What if a little thing called life does what it’s relatively famous for doing? Or, what if that dude named “Murphy” makes a house call?

Consider my buddy Tim who is coming out to ski Big Sky with me in a couple of weeks. If I do something stupid and re-injure that recently broken leg of mine between now and then, Tim’s trip gets all screwed up too. And all he did was answer the phone! With all the things that could go wrong in this world of ours, an ounce of Travel Insurance makes a pound of good sense.