Can’t put a price on peace of mind

Travel insurance can be expensive — but oh, so worth it [Image] ThePennyHoarder.com August 9th, 2019 Season three of the Netflix original series “GLOW” premieres on the streaming platform today. If you’re not already hooked on this one, well, we hope you didn’t have any plans for the weekend — you have a lot of catching up to do. Today, we’re talking about travel insurance, credit freezes, and when and why you might utilize them. But first… The Bite-Sized Buzz We know you’re busy. We know you have things to do, people to see and a budget to stick to all the while — which is exactly why we started The Penny Hoarder Insider, a text message alert program that gives you bite-sized updates on ways to make, save and manage your money. Sign up [here and start getting our best tips and info]( directly to your phone! Your Big Break The education technology company 2U is [hiring a work-from-home technical support specialist]( to assist students and faculty. The role is available to those anywhere in the US, and while it does require night and weekend work, the benefits are pretty sweet: health insurance, tuition reimbursement, unlimited paid time off and even a winter break. Peace of Mind = Priceless You know what’s a serious bummer? Hoarding your pennies, saving up all year, buying a plane ticket for your big, fabulous, exciting vacation — and then having to miss it (and forfeit all that money and the hard work you did saving it up) because of unforeseeable circumstances. Ouch. If you’re planning an upcoming vacation, you might have considered purchasing travel insurance. But the stuff can be pricy, and considering how much you’ve already paid for your trip, it can be tempting to pass it up and accept the risk that comes with traveling uninsured. So what’s the smart move? Unfortunately, there’s no straightforward answer, but there are things to consider before you decide to buy — or forego — travel insurance. Does your itinerary include a lot of layovers and connections? A nonstop flight to an all-inclusive Carribean resort in the springtime is less of an insurance risk than a month-long tour of Europe with 12 destinations during the height of blizzard season. Are you headed someplace where there is civil or political unrest? A lot can happen between the time you make your reservation and when you get where you’re going. The situation could become more volatile, your accommodation reservations might be canceled or travel to the area could be restricted before you leave. Are you going to worry so much that you end up not enjoying your vacation? If worrying about something going wrong will overshadow your entire trip and keep you from enjoying yourself, spring for the coverage to ease your mind. So yeah, insurance can be pricy — but that peace of mind can be absolutely priceless. If you’re on the fence about travel insurance, [here’s everything you should consider before making your decision](. [Image] WORD OF THE DAY Credit freeze (n): The process of locking down your credit to prevent identity theft. Basically, access to your credit file is inaccessible to everyone except you, making it impossible for new loans or lines of credit to be approved. Another day, another massive data breach. What can we weary consumers do to protect ourselves? Well, there’s a lot, actually. One of the most powerful tools to defend yourself against identity thieves and hackers is freezing your credit. [And the best part is it’s absolutely free](. [The Penny Hoarder] [Facebook]( [Instagram]( [Twitter]( [YouTube]( The Penny Hoarder | 490 1st Ave S, Suite 800 | Saint Petersburg, Florida 33701 | United States You can [update your mailing preferences here]( or [unsubscribe]( from all email from The Penny Hoarder. Questions? View our [Privacy Policy]( . Having trouble reading this email? You can [view it online](.