Travel Insurance Made This Skeptic a Believer
经过Richard D’Ambrosio/
Journalists are generally considered a skeptical lot. They see dozens of press releases in their email inbox every day, selling them something, and putting the most positive spin possible on a company’s products and services.
But a recent travel experience for Business Insider reporter Graham Rapier has made him a believer. Travel insurance isn’t “a scam,” like he once thought. It can be a very practical way of earning peace of mind, and saving money when a trip goes wrong.
Rapier最近写了他的经历for Business Insider.
“I can't even begin to count the number of times I've declined travel insurance when booking plane tickets,” he opened his Nov. 9 article.
但是,当涉及即将到来的越野Amtrak之旅,并阅读有关延误的信息时,他很担心。Rapier指出,他是如何对一个相当分享的故事感到恐惧的,该故事讲述了今年早些时候有183名乘客在火车上呆了36小时。他的研究表明,“这些故事远非离群值。”
他的旅途中的第一站,《湖岸有限公司》(Lake Shore Limited),在2018年的时间大约是42%。长期以来,被认为是骗局,再也没有想到了。”
他下跌了17美元,以保护自己的900美元投资。
“事实证明我是对的,” Rapier写道,因为延误使他错过了在芝加哥的联系,迫使他在城市中度过了一个计划外的夜晚。
阅读Rapier的故事,您会感觉到延迟开始堆积时常见的焦虑旅行者和实际的担忧,例如“我必须在哪里过夜,这会花多少钱?”开始填补你的头。
“As we sat behind a freight train outside of South Bend, Indiana, already a full three hours after the train should have arrived in Chicago, I started to wonder about my missed connection. My next train was scheduled to depart Chicago at 2:15, but as we creeped slowly into Illinois, I knew that wasn't going to happen,” Rapier wrote.
旅行保险公司一直在投资各种基于互联网的工具,以准备旅行者进行旅行,并在旅途中与他们保持联系 - 尤其是在出现问题的情况下。
Rapier指出,在与Amtrak预订后,在收到火车票之前,Allianz已经向他发送了一封电子邮件,其中链接到他的完整政策和其他细节。(他承认他没有阅读细节。)
现在,坐在印第安纳州南本德(South Bend)担心他的火车连接,Rapier打开了电子邮件,并意识到,如果旅行延迟,他的政策条款有资格获得每日150美元的付款。
At Amtrak’s customer service counter in Chicago’s Union Station, a representative met displaced passengers like Rapier, “with new tickets, and hotel and food vouchers for everyone who had missed their connections.” However, he said, “Amtrak did offer hotel vouchers for those of us who needed to wait overnight.”
Rapier坐在联合车站,找到了一家适合150美元帽子的酒店,并在晚上预订。
虽然他感到至少有一个晚上躺下的地方,但他想知道安联是否对它的话有好处,并退还了他的费用。Rapier在他的文章中写道:“当然,该计划的唯一缺点是必须筹集资金,而不知道旅行保险是否真的有效。”
四天后回到纽约时,他提出了主张,Rapier将其称为“容易。我所需要的只是我的电子邮件地址或政策号码,以及我出发旅行的日期。表格简单快捷,我要做的就是上传我的酒店收据。它甚至没有要求我延迟证明。”
Six days later, a check showed up in Rapier’s mailbox.
“Not only was it sooner than I expected, but easier too! I had worried that I would need some way to prove my train was delayed significantly enough to require a hotel stay, but that was not the case,” Rapier said. “All things considered, the travel insurance was easily worth $17.”