Sometimes when you least expect it, things beyond our control happen that can affect our well-planned vacations. This is where travel insurance comes in.

While purchasing insurance isn’t required when you book your vacation, it’s worth at least considering.

We sell great travel insurance packages from John Hancock (United States) and Manulife (Canada) for that additional piece of mind.

Not sure if you need insurance? Here are 10 reasons why you may wish to take that extra precaution. Read them over and then decide!


There are so many reasons why your vacation may need to be cancelled, but here are 10 common examples of what could go wrong before your big day.

  1. You and your family finally arrive at the airport for an 11 pm. connecting flight, but it has been cancelled. Who can assist you with finding new flights to get everyone home?
  2. You arrive at your destination, but your baggage is lost – with your important medication inside. You need your bag to be found ASAP for an emergency prescription to be filled. Who do you call?
  3. You’ve arrived for your first time in Europe, and on the second day your passport and wallet are stolen. What do you do for emergency cash, and how will your passport be replaced?
  4. You get into an automobile accident, and adequate medical treatment is not available. How will you make arrangements to pay for a medical evacuation?
  5. You’re mother-in-law comes down with a seriously illness, cancelling your trip is your only option. What happens to your non-refundable deposits and/or pre-payments?
  6. Ahhh, you’ve arrived in Cancun. But your luggage didn’t make it. Is it lost, and if so, who will help you find it? If it’s on its way tomorrow, who will pay for necessities? Worse, if it’s stolen, who will pay to replace it?
  7. The cruise line, airline or tour operator you’ve booked with goes out of business. How will your non-refundable expenses be paid? Who will help get you to your destination?
  8. You’re strolling the streets of Budapest and twist your ankle. Who can make sure you find an English-speaking physician?
  9. Your vacation is only two weeks away, but an incident occurs in the city where you are planning to visit. Who will pay if you want to cancel the trip?
  10. You’re relaxing at a beach resort in Florida, but are forced to evacuate due to an imminent hurricane. Who can help you evacuate, and reimburse you for the lost vacation investment?