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Traveling Soon? Here’s Why Travel Insurance Is Worth Having
If you're heading out of town this month (or escaping north-Michigan winter before it arrives full-force), now is the perfect time to consider travel insurance. Here’s why it matters:
- Trip cancellations happen. Illnesses, weather delays, surprise schedule changes — life happens. Travel insurance helps make sure your investment doesn’t disappear with it.
- Medical coverage when you're far from home. Your health insurance doesn’t always travel with you. Travel insurance fills the gaps.
- Lost luggage protection. Because nothing ruins a trip faster than your suitcase going on its own adventure.
- Peace of mind. You focus on fun; the policy handles the rest.
If you’re not sure what you need, our team can walk you through options in just a few minutes.
Wow — we can’t believe it’s already mid-November! The leaves are mostly gone, holiday lights are starting to pop up around town, and we’re officially entering the season of gratitude. As we look back on 2025 so far, one thing stands out above everything else: We’re incredibly thankful for our clients.
Their trust in us — whether it’s for home, auto, life, business, or anything in between — is what keeps us showing up every day with purpose. We’re proud to serve northern Michigan and even prouder to protect the people who make our communities what they are. Read incredible reviews from our clients in our review section!
Q3 WeCare Update — $1,000 Donated to NEMCSA
Our WeCare initiative continues to grow, and we’re excited to share our latest update: Top O’ Michigan donated $1,000 to NEMCSA (Northeast Michigan Community Service Agency) in 2025 Q3!
Their programs support families, seniors, and vulnerable neighbors across our region — and we're proud to be even a small part of the impact they create.
Learn more about WeCare: WeCare at Top O' Michigan and Spire Insurance Solutions
Have You Downloaded Client Connect Yet?
If you haven’t checked out our 24/7 Client Connect app, you’re missing out on one of the easiest ways to manage your policies.
With Client Connect, you can:
- Access your ID cards anytime
- Request policy changes
- View documents
- File claims
- Get support — right from your phone or computer
It’s simple, secure, and designed to make your insurance life easier. Learn more about Client Connect: https://www.tomia247.com/about/247-client-access/
Thank you again for being part of the Top O’ Michigan family. We’re excited to close out the year strong, stay involved in our communities, and keep finding ways to support you better. If you need anything — travel insurance included! — we’re just a call or message away.