Should You Get Travel Insurance for Your Summer Vacation?

iStock
iStock

When booking an airfare, cruise, or hotel reservation online, companies often try to upsell you. Check one box to add a car rental. Check another to upgrade your room. You’ll also be asked if you want travel insurance, usually offered via a third party and covering everything from late-notice cancellations to health emergencies.

Is the insurance worth it, or is it the extended warranty of the travel industry?

When you opt for insurance, you’re paying a premium to protect yourself against financial losses as a result of interruptions to your travel plans. If a ticket is deemed nonrefundable by an airline, insurance could cover the cost. If they lose your bags, you might be entitled to item replacement. If you become ill, your plan may cover “gap” expenses, or fees that your existing health insurance might not.

What a policy covers depends on the tier selected, as The Philadelphia Tribune points out. You might opt for a basic plan, or an all-in policy that minimizes the fine print. In most cases, you’ll be charged roughly 6 percent of the total cost of your booking for the coverage.

For domestic travel, these policies may not provide you with a wealth of benefits. If you decide to simply cancel your trip, some insurers will require that you cite one of their specific covered reasons, like illness or a death in the family. You’ll have to provide documented proof when submitting your claim. Unless it's a very comprehensive plan, citing reasons of mood ("I don't want to go") won't get you any kind of refund.

Other coverage may simply be duplicated by benefits you already have. Several hotel chains offer low or no-penalty cancellations, and most health insurance policies should cover any medical situations you encounter within the United States.

Domestic insurance is a good option, however, if a family member is ill or you anticipate a better-than-average chance your trip might need to be postponed.

International travel is a different story. These flights are typically more expensive than domestic tickets and may have a more profound impact on your wallet if you’re unable to follow through on your plans. Your health plan may also get more restrictive with traveling abroad, particularly if you incur costs like medical evacuation. A recent AAA survey noted that 38 percent of respondents planned on purchasing insurance for future international trips.

Before opting for any kind of insurance, check with the credit card company you plan to use for booking. Many offer travel insurance perks that could either supplement or even replace third-party plans.

[h/t The Philadelphia Tribune]

Take Advantage of Amazon's Early Black Friday Deals on Tech, Kitchen Appliances, and More

Amazon
Amazon

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Even though Black Friday is still a few days away, Amazon is offering early deals on kitchen appliances, tech, video games, and plenty more. We will keep updating this page as sales come in, but for now, here are the best Amazon Black Friday sales to check out.

Kitchen

Instant Pot/Amazon

- Instant Pot Duo Plus 9-in-115 Quart Electric Pressure Cooker; $90 (save $40) 

- Le Creuset Enameled Cast Iron Signature Sauteuse 3.5 Quarts; $180 (save $120)

- KitchenAid KSMSFTA Sifter with Scale Attachment; $95 (save $75) 

- Keurig K-Mini Coffee Maker; $60 (save $20)

- Cuisinart Bread Maker; $88 (save $97)

- Anova Culinary Sous Vide Precision Cooker; $139 (save $60)

- Aicook Juicer Machine; $35 (save $15)

- JoyJolt Double Wall Insulated Espresso Mugs - Set of Two; $14 (save $10) 

- Longzon Silicone Stretch Lids - Set of 14; $13 (save $14)

HadinEEon Milk Frother; $37 (save $33)

Home Appliances

Roomba/Amazon

- iRobot Roomba 675 Robot Vacuum with Wi-Fi Connectivity; $179 (save $101)

- Fairywill Electric Toothbrush with Four Brush Heads; $19 (save $9)

- ASAKUKI 500ml Premium Essential Oil Diffuser; $22 (save $4)

- Facebook Portal Smart Video Calling 10 inch Touch Screen Display with Alexa; $129 (save $50)

- Bissell air320 Smart Air Purifier with HEPA and Carbon Filters; $280 (save $50)

Oscillating Quiet Cooling Fan Tower; $59 (save $31) 

TaoTronics PTC 1500W Fast Quiet Heating Ceramic Tower; $55 (save $10)

Vitamix 068051 FoodCycler 2 Liter Capacity; $300 (save $100)

AmazonBasics 8-Sheet Home Office Shredder; $33 (save $7)

Ring Video Doorbell; $70 (save $30) 

Video games

Nintendo

- Legend of Zelda Link's Awakening for Nintendo Switch; $40 (save $20)

- Marvel's Spider-Man: Game of The Year Edition for PlayStation 4; $20 (save $20)

- Marvel's Avengers; $27 (save $33)

- Minecraft Dungeons Hero Edition for Nintendo Switch; $20 (save $10)

- The Last of Us Part II for PlayStation 4; $30 (save $30)

- LEGO Harry Potter: Collection; $15 (save $15)

- Ghost of Tsushima; $40 (save $20)

BioShock: The Collection; $20 (save $30)

The Sims 4; $20 (save $20)

God of War for PlayStation 4; $10 (save $10)

Days Gone for PlayStation 4; $20 (save $6)

Luigi's Mansion 3 for Nintendo Switch; $40 (save $20)

Computers and tablets

Microsoft/Amazon

- Apple MacBook Air 13 inches with 256 GB; $899 (save $100)

- New Apple MacBook Pro 16 inches with 512 GB; $2149 (save $250) 

- Samsung Chromebook 4 Chrome OS 11.6 inches with 32 GB; $210 (save $20) 

- Microsoft Surface Laptop 3 with 13.5 inch Touch-Screen; $1200 (save $400)

- Lenovo ThinkPad T490 Laptop; $889 (save $111)

- Amazon Fire HD 10 Tablet (64GB); $120 (save $70)

- Amazon Fire HD 10 Kids Edition Tablet (32 GB); $130 (save $70)

- Samsung Galaxy Tab A 8 inches with 32 GB; $100 (save $50)

Apple iPad Mini (64 GB); $379 (save $20)

- Apple iMac 27 inches with 256 GB; $1649 (save $150)

- Vankyo MatrixPad S2 Tablet; $120 (save $10)

Tech, gadgets, and TVs

Apple/Amazon

- Apple Watch Series 3 with GPS; $179 (save $20) 

- SAMSUNG 75-inch Class Crystal 4K Smart TV; $998 (save $200)

- Apple AirPods Pro; $199 (save $50)

- Nixplay 2K Smart Digital Picture Frame 9.7 Inch Silver; $238 (save $92)

- All-New Amazon Echo Dot with Clock and Alexa (4th Gen); $39 (save $21)

- MACTREM LED Ring Light 6" with Tripod Stand; $16 (save $3)

- Anker Soundcore Upgraded Bluetooth Speaker; $22 (save $8)

- Amazon Fire TV Stick with Alexa Voice Remote; $28 (save $12)

Canon EOS M50 Mirrorless Camera with EF-M 15-45mm Lens; $549 (save $100)

DR. J Professional HI-04 Mini Projector; $93 (save $37)

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The Reusable Rocketbook Smart Notebook Is the Ultimate Recycling Move

StackCommerce/Rocketbook
StackCommerce/Rocketbook

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You may be conscientious of your environmental footprint, but some habits are tough to change, like transitioning from writing notes on paper to typing notes and saving trees. There’s just something about physically writing with a pen and paper that’s fulfilling, engages your memory, and just feels right. You can keep jotting without the guilt on this smart reusable notebook from Rocketbook that translates all of your written text to your favorite cloud services so you can recycle the pages to use again and again.

Once you start using cloud storage for notes, it’ll be hard to go back. You’ll have every song lyric, appointment, and list of directions you jot down anywhere you have internet access (which is basically everywhere these days). The set comes with 42 pages for various uses, like calendars and to-do lists that wipe clean with a damp cloth to reuse after you save your notes to the cloud.

One of the reasons it’s hard to ditch traditional pen and paper is the feeling of your favorite writing utensil gliding on the page. This set comes with a FriXion pen that writes smoothly on the synthetic paper just like the old-fashioned way—except you can’t misplace or ruin these notes in a shuffle or coffee spill since everything will be stored digitally. It’s better for the environment and kind of like an insurance plan on your personal thoughts and notes.

For a limited time, you can replace all of your archaic and environmentally wasteful notebooks with one easy set. Score the Rocketbook Fusion Executive book in black, the Rocketbook Mini in black, two FriXion pens, and two microfiber cloths for wiping with a 12 percent discount. You’ll get unlimited paper from the sleek large and small black notebooks for just $44.

Prices subject to change.

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