What To Do When Not Just Any Travel Insurance Will Do

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What To Do When Not Just Any Travel Insurance Will Do - Forbes

To celebrate her 60th birthday, Andrea Shelly booked a trip to Tanzania and Rwanda through Butterfield & Robinson, a luxury tour operator. She planned to bring her adult children on the two-week adventure. But with a $130,000 price tag, Shelly knew that ordinary travel insurance wouldn't do -- and she was right.

A few months before her planned departure, one of Shelly's sons got a promotion and the family decided to postpone their African safari.

"It didn’t feel like it was appropriate to take so much time off as a newly-minted associate," explains Shelly, a real estate investor from Irvine, Calif.

Had Shelly bought a garden-variety travel insurance policy with named perils, she'd be out of luck. A work promotion isn't covered by most travel insurance policies. She'd be on the hook for tens of thousands of dollars in nonrefundable charges.
 
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