Travel Insurance for Vacation Rentals

A family booked a rental cottage last summer, arrived safely and just loved the cottage. However, on the second day of their two week stay, the mom got a call to say her father was seriously ill and not expected to live. The family packed up and returned home, and sadly, her dad died a few days later. After the funeral, the renter called the cottage owner and asked what sort of refund she could expect as they had only used 2 days of their 14 day booking. The owner refused to pay any refund with the explanation that she relied on the cottage rental income to pay the costs of her cottage and it was always fully booked through the season. She was not able to find a replacement rental party at the last minute and as the rental agreement stated; if that was the case no money would be returned. Of course the rental group did not have travel insurance, which would probably have covered trip curtailment due to the illness and/or death of a close relative. The rental cost the family over $4000 and they were not able to recover a penny of that money.

Many people believe that trip insurance is only necessary if there is a flight involved; where delay, lost baggage, and the risk of the airline going bust, is covered; and medical cover is required in a foreign country. It’s not considered important, or not considered at all, to buy insurance to cover a trip taken by road to a self catering property in the same province or the same country.

Think again! Most cottage bookings are made several months in advance and many things could happen after you have booked to change your circumstances. Illnesses of any member of the traveling party, redundancy or a call to jury service are just a few of the situations that would be covered by a travel insurance policy. A few insurance companies also offer a ‘change of mind’ clause, allowing you to cancel for any reason after a booking has been made and paid in full. This normally pays out an amount sufficient to cover any cancellation fee the rental agency or owner may apply.

When you book your vacation rental property, check the property owners or agencies cancellation policies carefully. If it is not clear, ask the question. In general, most private owners and rental agencies will attempt to rebook a property if it is cancelled, and refund your money for the period they have rebooked, less a cancellation fee.

The premium paid for trip insurance becomes less significant, the more you are paying, however it is worthwhile at any price, for your peace of mind.

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Vacation Rentals – What Option Is Right For Your Vacation?

Vacation rentals & in general the idea of renting a proper lodging for your vacation is a somewhat new way of looking that the time off you’re taking from the real world. At some point, it seems, someone wondered why it was that we tend to settle for lodging that is mass-produced & somewhat sterile when we could make our “home away from home” actually feel like a “home away from home”.

It makes sense when you stop and think about it. We look forward to our vacation all year because we know how much work we put into our jobs. Day in and day out, we work ourselves to the bone to earn whatever amount of time we can take off, and somehow, we decided that such lucrative recharge time needed to be spent on very “non-mojo” surroundings. Finally, someone decided to offer more luxurious offerings that had more domestic amenities. Still, others decided that maybe their own home might be used for a very domestic lodging. Other options began to spring up, and before you knew it, the vacation rental property revolutionized the travel industry in a major way.

But what type of vacation rental option is right for you? After all, with so many options, how exactly do you find what works best for you and (presumably) your family? Well, to be perfectly frank, it’s not hard at all. Really. You’d be surprised how easy it is to find the right rental for your needs.

First, sit down with your family & find out what you all want in a vacation rental. After all, if it is to fill the needs of your family, everyone’s input should be taken into account. Talk about the difference between wants & needs, and use it as a great teaching tool to get your kids to think critically about compromise. You know you can’t get everything you want, but it’s nice to see what page everyone is on as you go on this cool journey.

Next, figure out where you’re going to go for vacation. Perhaps these first two items can be switched, but in the end, you’re still on the right track. You can’t possibly know what you truly want in a rental unless you know where you’ll be & what you’ll possibly be doing.

You also have to consider the amount of time you have off in the first place. If you’ve got a posh gig where you can take up to a month off from work for a vacation, you’ve got a lot of options. However, for the majority of people who have from a few days to about two weeks, planning is where it’s at, and you need to plan carefully. Say you’ve done all the right things & taken the right steps, and you’ve found the right vacation rental for you. How long will it take to travel to this place? How will you get around from your rental to other areas nearby? How much travel to should you factor in by foot? Car? Taxi? Flying? It’s always the little things that sneak up on you.

Don’t let the many options of vacation rentals get you down; let them work for you.

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