As a U.S. citizen, Hawaii travel insurance is not going to involve concerns about health insurance. If you’re already covered with health insurance on your home turf, you will likely be covered in Hawaii. What you’re going to want to look for in Hawaii travel insurance plans is what you’d look for in just about any travel vacation insurance - protection against the unexpected travel tragedy excluding medical emergency.
Hawaii travel insurance would be great to have in a number of instances. For example, if you booked a cruise and the cruise line went out of business. If they went belly up, bankrupt, shut down, and can’t take their cruise ships out of port you would be there holding your bags quite literally and an expensive but useless ticket for your cruise.
You are only going to get your money back in one of two ways. If you donand#8217;t have travel insurance coverage, you would have to go to bankruptcy court. In this instance often only the first few creditors, if any, are reimbursed. If you were one of them you would get your money back. Don’t count on it! The other reimbursement alternative for reimbursement of that ticket for your cancelled trip is Hawaii travel insurance. You would simply file and claim and voila, money back to you without a problem.
Another protection you would want coverage for by your Hawaii travel insurance is if your trip should be delayed. Perhaps your flight is cancelled or delayed for bad weather and you’re not home but instead at an airport where you need to change planes on a connection, or you might still be in Hawaii and trying to get back home. Often in these occurrences there is no immediate remedy and you might be stuck at your location a day or two. You would need a hotel stay, food and transportation to and from the airport to the hotel. In this day and age, the airlines rarely cover this, the right Hawaii travel insurance would.
What if your luggage is delayed, or worse yet lost or stolen? What are you going to wear? Who is going to give you the money to buy it? Again, this is what Hawaii travel insurance could cover.
What if you or another member of your travel party are in Hawaii and taken ill and require the care of your own physician? What if someone back home is gravely ill or passes away and you must return immediately? If you’ve purchase a restricted or non-refundable ticket you’re not going to be able to change your return schedule. It would be very expensive to fly home last minute. Where would this money come from? Hawaii travel insurance can cover for such emergencies.
Clearly, Hawaii travel insurance could be a financial and stress-related lifesaver in time of vacation emergency. If considering a trip to the beautiful islands, remember a small investment in such trip insurance coverage could pay off big in the long run.
Archive for July 15th, 2008
As I sit here in the morning, listening to the rhythmic salsa of Manolito Simonet y Su Trabuco, I am reflecting back on my 16 days in Cuba and all that I have experienced and learned.
My time in Cuba has been the single most interesting and amazing travel experience in my life so far - bar none. I have never jumped head first into a vastly different culture like this before, and it has, without exaggeration, been a head-twisting experience.
No doubt I fell in love with the city of Havana, I find it an amazing, beautiful and multi-faceted place. No doubt I had a really special experience with the people, and I made new friendships, with local Cubans as well as with a small crowd of international people who shared this language-learning experience with me at the University of Havana.
There is also no doubt that going to a totalitarian Communist country shifts your mindset just a little. Starting with the shortages (of food, of writing paper, toilet paper and toilet seats, gasoline, public transportation, consumer goods etc. etc.), to the constant presence of the police, to the palpable sense of guardedness, in some cases even paranoia, among the population. The watchful eyes of the authorities are everywhere and you have to be very careful about how you act and what you say.
You start to realize you have entered a totally different world. I was really careful not to try to reveal the sources of my information because I honestly did not want to jeopardize my friends and acquaintances in Cuba who were willing to share their candid opinions.
You have also entered a country where private property and private business are all but forbidden, but strangely enough, everybody has turned into an entrepreneur. Cuba is truly a country with a myriad of ironies and contradictions.
On the other hand, you see a people who are hospitable and very friendly once they know you (and once you get beyond the constant hustling directed at the tourists). Although you constantly hear about the daily struggle (”Hay que luchar”), you see a people that know how to celebrate and enjoy life in all forms. Cuba’s sensual music is just one way of expressing that joy of life.
But beyond my Cuban impressions I have learned a few more personal things. First and foremost, I have learned to enjoy what I have at home, right here in Toronto. (Believe me, I have never enjoyed the luxury of a toilet seat so much…..)
No doubt in my mind, through a fluke of immigrant fate , I have chosen one of the best countries in the world to live in: a safe country, a prosperous country, a free country with a good balance between individual freedoms and collective well-being, a pluralistic and tolerant country, free from repression, surveillance and dogma.
Last but not least, I have also learned to appreciate my own life situation more: my comfortable life in Toronto, my freedom to be an entrepreneur, my freedoms as a woman. And most significantly, I have come to appreciate my personal relationships, my friendships and my marriage and even my physical health, which, in my anxious quest to build two businesses at the same time and to get this website up and running as quickly as possible, had been suffering for a while.
As a result of all these experiences, I have decided to slow things down a bit and to achieve more balance by dedicating more time to my husband and our home life, our friends, our sports activities and, in line with Cuban philosophy, to just enjoy and appreciate life a little more.
After all, as I saw in Cuba, life is not all about business, work and making money…
