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Lola and Lala love each other so much, and will die together

It's that time of year again where the sun smiles upon us, school is out and the wide, wide world of travel is just a flight away.

So you do some research on vacation options. You book a flight. You reserve a hotel room. And last but certainly not least, you call an insurance agent for an appropriate travel policy.

"Ah," you think to yourself. "I'm covered from all angles."

Not so fast, sir or ma'am!

While others like yourself may view the insurance they purchased as a ticket to peace of mind, it's not always so.

Not every loss scenario that you can envision occurring will be covered.
This articles deals with issues that may arise as a result of not planning ahead or educating yourself properly about insurance issues.

Some Instances when Travel Insurance does not Cover Losses

1. If you think you are smart by buying travel insurance when you hear the radio tell you about a future storm, think again. A travel policy will not cover the cancellation of your trip following publicized storm information.

2. If you imagine that travel insurance will provide compensation for ordinary problems, stop dreaming. Your insurance will not compensate you for common inconveniences or lack of enjoyment.

3. Do not plan on getting covered for losses you cannot prove. You will need to show a sales receipt so that your loss can be substantiated.

4. Be aware that your insurance policy will likely not provide coverage for incidents that occurred while you were under the influence of alcohol or drugs.

5. Get your doctor involved before you go on your trip or you may not receive medical coverage under your travel insurance. If you cannot prove you were in good health prior to getting on the plan, you may run into coverage problems if you need medical care while on vacation.

6. Do not assume every activity you participate in is covered under your travel plan. If you get hurt while engaging in something that the insurance company considers dangerous you may not see reimbursement. Review your policy to ascertain which activities your insurance provider includes and which are viewed as perilous.

As in any form of indemnity, travel insurance has limits and deductibles, as well as exclusions. You owe it to yourself and your vacation to do the proper research ahead of the game. Speaking to an experienced independent agent will help you decide what policy is best for you and how to avoid getting denied for a related claim.

Lola and Lala love each other so much, they even stay together here at the shelter. Can you give these wiggle-monsters a home where they can curl up on the couch together? Twice the pup = twice the love!

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
ACCT Philly at +1 267-385-3800
111 W Hunting Park Ave 19140 Philadelphia, Pennsylvania
Ask for information about Lola and Lala

STATUS : - read comment for update from crossposter
Imagine yourself flying to South Korea to finally watch a K-pop girl group for the first time, in person. The concert ticket was bought and you're ready to catch the fever and enjoy this unique and exquisite musical experience. Unfortunately, upon arriving to Seoul, you were informed that for a certain reason, the concert won't push through.

What if you are attending a Digital Start-up Conference in Berlin, but before you board the plane, you were informed that for a number of reasons, the organizers were prevented to set up and it cannot push through.

In cases of events cancellation, travel insurance can definitely help as it offers coverage for cancelled events.

For a claim to be valid, the following conditions should be met:

The event cancellation should be beyond the control of the insured.
The event cannot take place before your flight back to your home country.
The organizer should provide a written confirmation that the event was cancelled.
There are two (2) circumstances that can occur when availing this insurance coverage. These are:
Event was cancelled before departure - If you were informed before travelling to the venue, the maximum sum insured per person shall amount to £400 for Unused Event Tickets and specific limits as indicated in the insurance policy that covers unutilized travel arrangements such as flights, accommodations, and excursions, as well as other additional travel expenses associated with the trip.
Event was cancelled after arrival at the country/city of destination - For this case, up to 50% of the travel costs and seven (7) days of accommodation will be covered by the insurance policy.
Since this is an additional cover, do check if your standard or comprehensive policy has this feature. If it doesn't, you can always contact the insurer to include this feature.
It's noteworthy that your claim cannot be considered if the event is re-scheduled before your flight back home. Also, the insurance should only indemnify those that are not reimbursed by the organizers. The claim also doesn't include costs of food and drink, as these are regular, recurring, everyday expenses.

To experience an event cancellation, specially one you have financially and emotionally (significantly) invested in it can be heart-breaking. That's why it's worthwhile to ensure that we are able to recover our pre-payments upon the occurrence of this cancellation and one can do that through the purchase of the right travel insurance policy with event cancellation cover.