Despite the surge of the COVID-19 Delta variant, you might still be thinking about things to do on Labor Day weekend. Labor Day weekend is quickly approaching, and many Americans want a weekend getaway to celebrate with family and friends. Whether you decide to travel somewhere new or celebrate from home, there are a number of ways you can have fun while still staying safe. No matter where the long weekend takes you, make sure you safeguard your plans by purchasing travel insurance.
Set Sail on a Cruise
Cruise travel has been picking up; so much so, that many cruise lines are already filling cabins through 2022. However, a number of cruises are offering special Labor Day weekend cruises. If you’re able to snag a spot, you could find yourself sailing the smooth seas this September.
Purchasing cruise insurance is a great way to safeguard your trip, even if it’s just for a long weekend. Although many cruises offer their own medical insurance, they usually offer little coverage and may not actually cover medical costs in the event of an emergency. Likewise, due to limited resources, the doctors and medical staff onboard may only be able to treat general ailments, not major medical emergencies. Without cruise-specific insurance, if you have a serious medical need, or require emergency medical evacuation, you’d have to pay the cost out of pocket.
Finally, cruise insurance comes with a variety of additional benefits. If you miss your departure port , for example, cruise insurance covers costs associated with helping you get to your next port so you can rejoin the ship.
Rent a Unique Vacation Home
If you’re hoping for a change of scenery this Labor Day but don’t want to stay in a hotel, a vacation rental is a great alternative. Plus, with the surge of the Delta variant, staying in an off-the-grid rental is a smart way to avoid crowds.
If you book a rental home, be sure to purchase trip insurance. Trip insurance plans offer coverage for non-refundable prepaid trip costs in the event that you have to end up cancelling, postponing, or cutting your trip short. Plus, if you opt for adding Cancel for Any Reason (CFAR) coverage to your trip insurance policy, you gain the freedom to cancel your trip for any reason (whether traditionally covered or not), and still recoup some of the prepaid expenses.
Get Some Fuel and Hit the Road
If your Labor Day weekend plans involve an epic road trip, remember the best drivers are the most prepared ones. Consider purchasing rental car collision insurance to add onto your trip insurance policy. Nobody anticipates getting in an accident or scratching a rental car, but unfortunately, it happens more often than you’d think. Rental car insurance offers protection against expenses related to any collisions or potential physical damage that occurs while you’re renting the vehicle.
Not only that, but trip insurance that covers can rentals also protects you against theft and any costs related to the injury sustained by other people if the policyholder were to cause an accident. Since there’s an element of risk associated with driving a car that isn’t yours, purchasing rental car insurance offers protection in the event that anything unexpected happens.
Get Your Adrenaline Pumping
If you happen to be out of the country for Labor Day weekend, and have a packed itinerary full of adrenaline-packed itineraries, purchasing adventure sports coverage is the way to go. There’s no better time to engage in fun water sports—such as jet skiing, kayaking, or water skiing—while you’re on vacation. Or perhaps you’re in Europe and have always wanted to go skydiving or paragliding. These activities are generally excluded from traditional travel medical insurance since they’re viewed as more risky.
Adventure sports coverage can be purchased as an add-on, and provides coverage for the specific activities you want to partake in. You and your family will have peace of mind knowing that you can receive medical attention in case anything happens.
Whether you’re counting down the days to finally using your passport again, or looking forward to a backyard BBQ with friends and family, there are many ways to make your Labor Day weekend both enjoyable and safe. No matter how you choose to spend the holiday weekend, travel insurance will ensure that you’re fully covered.
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