
So it begins. Mother Nature spat out triplets in rat-a-tat cadence at week’s end. The spawning of Ana, Bill, and Claudette has kicked off Storm Season 2009. And now the phones are ringing.
We don’t know why it seems so hard to get our domestic guests to avail themselves of a travel tool about which international travelers have long been savvy. We urge guests to purchase travel insurance, and even give a link on our website to Travel Guard International, just one of a multitude of reputable providers. We don’t offer the coverage directly and have nothing to gain; we simply put forth the information as a service to our guests.
We state our cancellation policy on the website and in our confirmation e-mails, repeatedly encouraging guests to protect their vacation investment. Nevertheless, at the first hint of a tropical disturbance – no matter how small or far away — the calls begin, most often coming from guests who profess ignorance of the existence of travel insurance.
“What happens to my reservation if a hurricane threatens Key West?” we’re asked. “What happens if it comes to my home town?” should be the next question, but is one we rarely hear.
Most of our guests during the summer and fall months are what we call “drive-downs” – Florida mainland residents. Another big sector hails from Gulf-and-East Coast locales, no strangers to hurricanes. So it always seems odd to us that they are so focused on their destination, almost always failing to consider that it may be their home, not ours, that is in the crosshairs. Travel insurance covers both places, and all along the way.
That said … even though the chance of a major tropical storm hitting our particular little piece of paradise is remote, that is little comfort if your vacation is, in fact, disrupted. So the peace of mind that travel insurance brings should be a very important part of your vacation plans. It’s very economical, typically running only about 6% of the cost of your trip (unless you opt for the kind that insures you, no questions asked — that will be more). If you factor in the great rates and special deals available for travel during what is traditionally “low season”, you will still save much more than the cost of your travel insurance if you choose to vacation at this time of year.
Part of the excitement of traveling is to experience things we are unlikely to encounter at home. Inherent in that experience is the unexpected – and for those surprise events of the less delightful nature, travel insurance is there, at all points of your journey. It covers your trip if it must be canceled or interrupted for a multitude of reasons too lengthy to enumerate here. And those unfortunate occurrences that can’t be foreseen with any amount of planning can occur at any time of year. Snowbirds are just as likely as our summer guests to encounter unanticipated expenses and delays.
By purchasing travel insurance, you can insure yourself for cancellation penalties, non-refundable tickets and deposits, medical costs, and baggage delays, as well as gain access to a wide range of traveler’s assistance services. Someone in your immediate family who is not traveling with you falls ill or is injured, and you must stay at home with them? Covered. Your traveling companion has an emergency of their own? Ditto. A family member back home passes away and you must return from your vacation early? You fall off your bike while sightseeing and must visit a physician while traveling? Your February flight out of O’Hare is canceled due to an ice storm? Yes, yes, and yes.
Within certain limits, it even covers you if you have a pre-existing health condition that may recur and thus interrupt your travel plans! Or if you are required to serve on jury duty!
You’ve saved, you’ve anticipated, and now you’re all set to go. It’s prudent that a little preemptive protection should be a part of your plan. In that regard, I’ll leave you with this thought for now: I have a friend who is a seasoned travel agent. She doesn’t so much as book a bargain flight for a quick weekend getaway that she doesn’t automatically purchase travel insurance. Shouldn’t we all take a lesson from a pro?
OK, I admit it.

Still manning the store in the same location – although decidedly larger now – the store, that is … and well, Robert, too … Robert can be found every day except September and October (when the stand is closed), at his “Robert Is Here Fruit Stand and Farm, Est. 1960”.
Over in a corner, there’s a milkshake bar where you can indulge in a fresh fruit shake or piece of homemade key lime pie.
Oh, and something else: Robert knows a thing or two about customer service. He will personally pick out a range of ripeness for you – and even number them – so you can have a supply that will last for weeks. So the next time you are traveling down to the Keys, hang a right at the last stoplight in
Martin, the Geico Gecko is alive and well and hiding out in our garden at
A little internet research revealed that they are 