Is Travel Insurance Legalized Gambling?

Some people think “Isn’t travel insurance just legalized gambling? I think every time I don’t file a claim, the company wins. Right?”

I wouldn’t say it’s a gamble, though there’s risk involved with any kind of contract you enter into. Insurance is a unilateral contract because only one party, the insurer, has made a legally enforceable promise, such as to pay covered claims.

Here’s how I explain it:

Buying travel insurance is a risk: You are trading a known certainty (your hard earned money) for an unknown quantity – the promise of the insurance policy doing what it says. This is why I pre-screen the plans we offer.

People manage the risk of losing money on a trip different ways:

Some people use the same insurance company for every trip
Some self-insure
Some ignore travel / trip / cruise insurance altogether
Some take their agent’s advice
Some shop around
Some forget
Even though I sell travel insurance, I believe insuring a trip is a personal decision. None of these choices is inherently right or wrong, they are just a matter of personal preference.
Now, sometimes you have to lay aside your own prejudices in order to protect other people from the negative result of your decision. For example, when I was a life insurance agent, it surprised me how many people purposely ignored their family’s financial condition should they die young. They always thought they’d beat the system by living long. The trouble is that death is permanent & guaranteed.

If losing money by not traveling, having an expensive medical claim or needing a costly emergency evacuation wouldn’t burden you nor destroy your finances, then the need for travel insurance probably doesn’t exist for you.

If any of those events would cause you distress, consider getting travel insurance for your trip.

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Finding a Gambling Clinical Hypnotherapist

he best way of finding a credible clinical hypnotherapist is via the internet. You don’t need to look in the yellow pages anymore it’s all online. Being at home searching on the internet gives you a few options. You’ll be able to search and click on websites of hypnotists where you’ll be able to look at their credentials and determine whether they’ll be right for you. Here are some tips to be able to find some decent hypnotherapists that will be able to help you with any addictive behaviors.

– As suggested the internet is the first place to start. Look at relevant websites and research their credentials. Did they study at a governmentally accredited hypnosis institution? Do they have insurance in case of litigation? Do they look legitimate?

– Experience is another big factor. How long have they been operating for? For how many years? Book learning is important but I would go as far as to suggest that learning in ‘on the job’ in a practical manner is more important. With anything in life, I believe we learn more doing than reading or studying. Doing and partaking are the best forms of learning and you want to see a hypnotherapist who has the experience under his or her belt because it means more likely than not, they’ve learnt more than the average hypnotizing Joe. If this isn’t adverted on their website, ring them up and make that one of the questions to ask them.

– If you’re aware of any friends or family members that went to see a hypnotherapist or hypnotist, ask them about their experience – was it a positive one? Did they really benefit from the experience?

– Cost. Are they expensive? Do they have concession rates? Sometimes some people think that unless the hypnotherapist is expensive, they aren’t any good. In many cases, this isn’t the case; you’ll find a good hypnotherapist on the cheaper end as well. But go with your gut. Make sure you contact the hypnotherapist to ask some questions before you just go ahead and book the appointment. You’ll get a feeling on the phone if you feel comfortable or not with the hypnotherapist.

If something needs to be dealt with, you’re better off having a shot and trying to deal with it in this way or any other. There is no point living a life that is unsatisfactory. All of our time is running at every given moment. One quote that I really like is the following – “If we do the same thing all the time, how can we expect anything different? The definition of insanity is doing the same thing over and over again and expecting a different result” I would rather shoot that ball and miss than to never have shot. If you’re gambling, then book an appointment to see a gambling clinical hypnotherapist. Otherwise, you wont’ have shot the people and life will not change unless you do this or something similar.

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