You're a mom. You can do anything. (yes, even manage your money)
Start today and download my FREE Mom's Got Money starter pack!
You’ll also get updates from me.

The One Thing I Should Have Bought For My European Vacation

  July 25

This post may contain affiliate links.

europeanvacationThere is so much I’ve been meaning to tell all of you about the month long vacation/work-cation I took in May!

In case you missed it, I had the awesome opportunity to take my little family to Iceland, Norway, Sweden, Finland, and France, and we visited all of those places over the course of a month.

It was super ambitious, and to be honest, it was a little crazy (although memorable!) We learned a lot about traveling with little ones and budgeting for vacation expenses, which I’ll share more about below.

The Planning Process

If you’re wondering how in the world we were able to take off a whole month from life, the truth is, I wasn’t exactly “off.”

Because I own my own business, I worked from my computer every night, and my husband had just graduated from medical school and hadn’t started residency yet, so he had one month off.

Although the timing was right, that was only one small step in the planning process. As you can imagine, planning a month long European vacation required a substantial amount of thought, especially when it involved taking two year old twins and all their toddler gear to a few different countries. It also involved saving up some serious cash.

And, we’re not the only ones who planned a lengthy or expensive summer vacation. Allianz Travel Insurance’s annual Vacation Confidence Index showed that even though fewer Americans will go on vacation this summer, they’ll spend 11% more than last year as a whole. In fact, Allianz’s research research reported that Americans will spend $89.9 billion on summer vacations this year, an increase from $85.5 billion in 2015.

This research is in line with my own experience. Last summer, we planned a short weekend vacation to the beach, but this year, our trip was much more extensive. In order to prepare for such a lengthy trip financially we used our budget tracking software (which I highly recommend – it’s free!) and that helped us to take a look at our finances as a whole to  decide how much money to allocate to this trip.

Although we like to consider ourselves financially savvy, we did end up going over our planned budget due to some unexpected expenses. Here’s what happened:

Oops Moments On Our Trip

So, like I said, even though we budgeted for our trip and went all Type A planning on the whole thing, we definitely had some memorable Oops moments that still make me cringe. Here are three budget busters that I wish would have never happened:

1. Hitting a Curb With the Rental Car

Ah yes. Gotta love rental cars. Rental cars were one of our biggest expenses on the trip, and they were definitely convenient. When you travel with two kids, it’s nice to have carseats and room for the stroller. Our credit card did have built in rental car insurance but it had a huge deductible. So…. when my husband went out to get pizza one night and bumped into a curb, which somehow broke the entire rim of one of the tires and flattened the tire, we knew we’d be in for it.

The whole flat tire/broken rim event cost us around $380, not to mention the challenge and the frustration of trying to send a tow truck to my husband on a Sunday night in a small town in Sweden. Good times, good times.

2. Completely Missing a Bus for an Expensive Tour

This one hurts, really hurts! We had a big excursion planned in Norway that cost us over $1,000. It involved taking a bus which took us to a fjord tour by boat and more. It was a pretty complicated tour to begin with, and we were already nervous about making all of our connections. The problem is, this tour ran once per day. If you missed the first bus, you missed the whole thing with no refunds.

So…. guess who missed the first bus? Ding ding ding! That would be us, the Alford family. This was not from lack of trying. We actually woke up extra early to request a cab, get breakfast, and more. However, there was some confusion with the cabs and carseats for the twins and it ended up taking so much time that when we finally pulled into the bus station, we actually saw our bus pull away. Just like a movie. Ouch.

3. Losing The Most Important Bag

The last oops moment was the fact that our airline lost our most important bag. We purchased some really cool and unique items for our new home while we were in Norway, and we were super excited about them. We put these household items plus an expensive wool blanket that we bought in Iceland along with some other things in a suitcase and checked it in Finland. It didn’t arrive in France when we got there, and we had a really hard time getting it back.

By the time we made it all the way home to the USA, we still didn’t have the bag, and none of the tracking numbers for the bag showed that it had been found. We had to call and call and call and deal with unhelpful people. Somehow the bag ended up at JFK airport in New York, where it sat for over a week because it had to change airlines. Since a bag cannot grow legs and move itself to a new airline, we had to rely on someone to go and get it and move it, which was apparently a difficult task.

After another week or two, I finally tweeted both airlines, and our bag miraculously showed up on our doorstep about 4 weeks after it was lost. We were really happy to get it back!

We Should Have Bought Insurance

So, I have to say, although the trip wasn’t perfect, the one thing that would have made a lot of this better would have been travel insurance, which we did not buy but should have. Travel insurance could have covered some of the oops moments mentioned above.

It would have also given us an ally to help us when things went wrong. Instead, we spent a lot of time on the phone trying to rectify some of the situations mentioned above. Most of them were #firstworldproblems that were simply annoying. However, it’s really hard to work so much to save and plan for a trip and then lose $1,000+ dollars while traveling just because of simple travel issues.

All in all though, we wouldn’t trade our trip for anything. I’m going to share more details on travel tips for each individual country in the next few weeks, including information on traveling with kids and affordable ways to see Scandinavia. Spoiler alert: My new favorite city in the whole world is Stockholm, and I can’t wait to tell you more about it!

Did you plan a trip this summer? Where are you going and did you have to spend a lot of time budgeting for it? Do you typically purchase travel insurance for your trips?


Disclaimer: I want to send a big thanks to Allianz Travel Insurance for sponsoring this post and for providing travel coverage for the unexpected to so many people. My biz,, received financial compensation from Allianz Global Assistance (AGA Service Company) for this post, but all opinions and stories are true and mine, even the crazy ones.


25 responses to “The One Thing I Should Have Bought For My European Vacation

  1. When you say you had no travel insurance – did you have medical insurance?!

    1. Yes, we have medical insurance for our family which would have covered us internationally. I was speaking about trip insurance, which you can purchase through Allianz. This would cover you in case of flights getting cancelled or other unforeseen issues.

  2. Sorry for the mishaps, Cat! But it still looks like your family had an amazing, super memorable European vacation. I’m hoping to get over there next year to visit one of my best friends who is studying in Berlin. I haven’t thought a lot about travel insurance, but I’ll definitely take a closer look before I start planning.

  3. Those are some mishaps! My rule of thumb on trip insurance is that if you have an itinerary ahead of time its worth the cost. Flights to and from are easy, and if you’re just flying by the seat of your pants its not worthwhile, but big excursions make the insurance worthwhile.

  4. Cat,
    So glad you took the time to make that trip. My overseas travel has always been for work, so I have never purchased travel insurance. But I have missed important meetings due to taxi cabs being on strike. I once had to commandeer a public (off duty) bus for a private group by offering the driver who was about to go home a large sum to take our group to their conference venue.

    The only good thing about oops moments is that they teach us resourcefulness and persistence — which you certainly have! Good thinking about Tweeting the airlines!

    Stockholm is a dream, especially in summer. Looking forward to hearing your other adventures.

    1. Thank you so much! That sounds like quite a story. Indeed, traveling definitely develops resilience skills. It’s part of the reason why it’s interesting to do since you have to stretch yourself.

  5. Sorry you guys had to deal with a few bumps in the road, but I guess that comes with travel. We’re going to visit Sweden next year (along with Denmark, Germany & Iceland…or at least that’s the tentative itinerary). If you have a few places in Sweden you would recommend (we’ll mostly be in and around Stockholm) we’d love to hear about your favorites!

    1. Oh my gosh – yes! I will write a post about Sweden. Loved it!

  6. Ahhh! Those are epic. I have bought travel insurance in the past and I’m pretty sure it was through Allianz. It’s pretty cheap, too. I usually only do it for abroad trips though.

  7. Wow! Thank you for sharing your story. We went to Europe last summer and yes, my husband insisted on travel insurance. We didn’t have any problems other than the bank flagging the wrong bank card. It’s a trip I’d do again in a heartbeat.

    1. That sounds awesome! I’m glad you enjoyed it!

  8. If people would use a good travel agent, they would explain the value of trip insurance. We do not let anyone travel out of the country without trip insurance (or try not to). I know people like to be do-it-yourselvers, but most travel agents do not charge for their services and are an invaluable resource having much more expertise than the average traveler. I cannot begin to tell you how many of our customers have used trip insurance for not only flight mishaps but medical problems for them or even relatives back home.

    1. Makes perfect sense. I only used a travel agent for my honeymoon but maybe I’ll use one again in the future!

  9. Ahh, your trip sounds absolutely dreamy! I’m actually getting chills thinking about a month long (needed) vacation, so good for you! I’m happy you all were able to get your luggage back and actually manage to get your rental car issues dealt with (in a foreign country at that). It terribly sucks to lose money on a planned excursion, but I’m glad that you all enjoyed yourselves, created some memories, and made it back home safe! Can’t wait to hear more about your travels!

    1. Thanks so much Latoya!! And yes we got the luggage back!

  10. Sounds like a cool trip minus the mishaps. I would have been so crushed missing that tour! Traveling for a month is a challenge for one person, so good on you for doing it for the entire family!

  11. Oh my! It took so long before the bag showed up! Did they pay you for the inconvenience they caused?

  12. I am going to Bali Indonesia as part of my summer trip, and yes, I usually buy travel insurance. Dont you?

Comments are closed.
Copyright © Catherine Alford.  Designed & Developed with by