Summer Vacation Insurance Checklist: Are You Covered?

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Summer is the season for travel, but it’s also the season for unexpected risks.

Family Enjoying Camping Holiday with Camper Van

Whether you’re planning a weekend road trip or an extended vacation, it’s important to make sure your insurance coverage is up to date.

From your car and home to your travel plans, a quick review of your policies can give you peace of mind while you’re away.

Use this simple checklist to make sure you’re covered before you leave town.

Auto Insurance

  • Make sure your auto insurance is active and up to date
  • Check that roadside assistance is included if you’ll be driving long distances
  • Consider rental car coverage if you’ll be using a rental vehicle during your trip
  • Review your policy for out-of-state or out-of-country driving rules

Home Insurance

  • Double-check that your home insurance covers theft or damage while you’re away
  • Take an inventory of valuables and consider extra coverage for high-value items
  • Let a trusted neighbor know you’ll be gone, or use smart devices to monitor your home
  • If you rent out your home while you’re away, make sure you have proper short-term rental coverage

Travel Insurance

  • Look into travel insurance to cover trip cancellations, delays, and medical emergencies
  • Confirm your health insurance provides coverage in your travel destination
  • Consider coverage for lost luggage or travel interruptions
  • Buy your travel insurance as soon as you book to maximize protection

Pet and Property Prep

  • If you’re leaving pets behind, confirm that your sitter or boarding service has liability coverage
  • Unplug electronics and secure valuables
  • Set timers for lights or install smart cameras for extra security
  • Update emergency contacts with your insurance provider, especially if someone else is watching your home

When Should You Review Your Coverage?

Ideally, review your coverage a few weeks before you leave. That gives you time to make changes, add temporary coverage, or ask your insurance agent for recommendations.

You may also want to review your policies if:

  • You recently made a large purchase or home improvement
  • You’re traveling to a remote area or outside the country
  • You’ll be gone for an extended period of time
  • You haven’t reviewed your coverage in the last year

National Park Road Trip

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Enjoy a National Park road trip with these top park suggestions

Embarking on a road trip to explore the natural wonders of our National Parks is an adventure that promises breathtaking landscapes and unforgettable experiences. The United States is renowned worldwide for its remarkable collection of 63 National Parks, with fourteen of them proudly holding the distinction of being UNESCO World Heritage Sites (WHS). Whether you’re a nature enthusiast seeking tranquility or an avid traveler yearning for new horizons, here are the top five most visited National Parks that you should consider for your road trip itinerary:

Great Smoky Mountains National Park (WHS):

Welcoming nearly 10 million visitors annually, the Great Smoky Mountains National Park is a haven for outdoor enthusiasts. Immerse yourself in the splendor of ancient mountains, vibrant wildflowers, and diverse plant life. Enjoy captivating hikes to enchanting destinations such as Rainbow Falls, Charles Bunion, Alum Cave Bluffs, and Andrews Bald.

Grand Canyon National Park (WHS):

With its awe-inspiring grandeur, the Grand Canyon beckons over 5.5 million visitors each year. Marvel at the vastness and vibrant colors of this geological wonder as you stand at its rim. Explore hiking trails that lead to hidden gems, revealing the immense beauty of one of the world’s most iconic landscapes.

Rocky Mountain National Park in Colorado:

Unleash your sense of adventure in this captivating national park, offering 450 miles of pristine streams and 150 breathtaking lakes. Don’t miss the opportunity to visit Bear Lake and traverse the famous Trail Ridge Road, which offers stunning vistas and a chance to witness the park’s diverse wildlife.

Yosemite National Park (WHS):

Renowned for its towering granite cliffs, magnificent waterfalls, and ancient forests, Yosemite National Park is a nature lover’s paradise. Marvel at the majestic beauty of the glacier-carved Yosemite Valley, witness the sheer power of waterfalls like Yosemite Falls, and be humbled by the presence of giant sequoias.

Yellowstone National Park (WHS):

As the first designated National Park in the world, Yellowstone holds a special place in history and the hearts of nature enthusiasts. Drawing in nearly 4.1 million annual visitors, this park spans across three states—Montana, Idaho, and Wyoming—and boasts an extraordinary array of geysers, lakes, and captivating wildlife.

Embarking on a journey to one of these remarkable National Parks is a cherished tradition for many. Whether you opt for the freedom of a travel trailer, the comfort of an RV, or the thrill of motoring in your car or motorcycle while staying in the park’s lodges, you’re bound to create cherished memories for yourself or with your loved ones. Remember to plan ahead, as reservations at these popular parks fill up quickly, often months in advance. Additionally, practice safe driving by slowing down within the parks and remaining vigilant for wildlife, ensuring the safety of both yourself and the remarkable creatures that call these parks home.

Pet Insurance 101: What’s Changed & Is It Worth It in 2025

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More pet owners are turning to insurance to help cover rising veterinary costs.

Happy Dog with dog bowl behind

For many people, pets are more than just animals—they’re beloved members of the family. From annual checkups to unexpected emergencies, keeping your pet healthy can be expensive. That’s why more pet owners are turning to insurance to help manage those costs and protect their furry companions.

Pet insurance policies are more flexible than ever and come with a range of options to meet your goals and budget. If you’re thinking about getting pet insurance—or haven’t reviewed your current plan recently—this guide can help.

Understanding the Benefits of Pet Insurance

Pet insurance helps cover the cost of veterinary care. While plans vary by provider, most cover:

  • Accidents and emergency care
  • Illnesses and surgeries
  • Medications, tests, and hospital stays

Some policies also offer optional coverage for:

  • Wellness exams
  • Vaccinations
  • Dental cleanings
  • Behavioral therapy

Like other types of insurance, pet insurance usually involves a monthly premium, a deductible, and a reimbursement model. Because coverage can differ widely, it’s important to review your plan carefully or work with an insurance agent who can walk you through your options.

Is Pet Insurance Worth It?

Pet insurance isn’t right for everyone, but it can offer peace of mind—especially when unexpected vet bills arise. Here are some questions to consider when deciding whether to invest in coverage:

  • Could you comfortably pay for a 2,000-dollar emergency surgery out-of-pocket?
  • Does your pet have health risks or breed-specific conditions?
  • Would pet insurance help you manage regular care costs more effectively?

For many families, the cost of a monthly premium is worth the potential savings—and the ability to make medical decisions without worrying about the bill.

What’s New in Pet Insurance This Year?

The pet insurance industry continues to grow, and providers are offering more customized options than ever. In 2025, here are a few trends to look for:

  • Telehealth for pets with 24/7 virtual access to licensed veterinarians
  • Customizable plans with flexible deductibles, reimbursement rates, and coverage limits
  • Multi-pet discounts under one policy
  • Expanded coverage for alternative therapies and wellness care

As the market evolves, it’s a good time to review your policy and see what’s available.

When Should You Review or Purchase a Policy?

If you already have pet insurance, review your policy every few years—or sooner if something changes. Consider updating or purchasing a new plan if:

  • You adopted a new pet
  • Your pet’s health needs have changed
  • Your financial situation has shifted
  • You want broader or more flexible coverage

Need Help Choosing the Right Plan?

Working with an independent insurance agent can help you compare plans and choose the right coverage for your pet. Your agent can explain the differences between providers and help you find a policy that fits your needs and your budget.

Have questions? Contact your local insurance agent to get started. With expert help, you can make a confident choice and give your pet the protection they deserve.