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I am Legaci & gfX highly recommends securing your trip with travel insurance.
Travel is unpredictable, even at the best of times. Travel insurance helps to protect you against the unexpected. If your trip is canceled unexpectedly or ends early, would you be able to easily accept the financial loss? Or, if someone in your party required evacuation due to a medical issue, could you cover that expense? Travel insurance can help with these concerns and many more. Insure my Trip, is completely  independent of gfXcursions, this is simply a recommendation for your protection. 

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