Why You Should Never Travel Without Travel Insurance.
A vacation isn’t as large of an investment as your car or your home, but it is still a considerable amount of money. You pay for airfare and accommodation in advance, as well as other activities such as excursions. All of this value is worth insuring in case an unforeseen problem occurs and threatens your travel plans.
1. Lost Luggage
Losing your luggage can be a major inconvenience, and it can also be quite costly to replace everything that was inside. That’s where travel insurance comes in. Travel insurance can help cover the cost of replacing lost, stolen or damaged luggage, as well as the contents inside. This can include things like clothes, electronics and medication.
2. Someone gets sick or hurt
This is the most common cause of ruined vacations. If you or a travel companion were to get sick before your planned trip and you have to cancel, you could lose the full cost of the trip. Or, if a medical emergency crops up during your trip and you need to come home early, in many cases there may be no reimbursement available. That’s where travel insurance could come in handy.
3. Foreign hospitals
Your health insurance typically does not extend to foreign countries, meaning you could be responsible for an entire hospital stay should you become injured or ill while abroad. To avoid this, it is essential that you have the right travel insurance coverage.
4. Emergency airlifts
If you need to be flown to a hospital or evacuated from a danger zone, helicopter transport could cost you thousands of dollars. Travel insurance may cover these types of costs, making it a valuable investment.
5. Loss of friend or family member
In the event that something tragic happens, trip cancellation coverage may allow you to cancel or postpone your vacation. This could be incredibly important if, for example, someone close to you passes away just before your departure date.
6. Early returns
If you have to fly home immediately and cancel the rest of your trip, the airline could charge you for your flight changes – even for an emergency. Travel insurance may help reimburse you for those fees.
7. Damaged destinations
If an airport closure due to a hurricane or winter storm prevents you from reaching your destination, you could lose the cost of airfare, side trips, and even your resort stay. Purchasing travel insurance at the time of booking your trip may help you get reimbursed for these costs.
8. Your job gets in the way
Even though your trip has been on the work schedule for weeks, what if your back-up leaves the company or you’re offered a new job that starts immediately? Travel insurance may be able to help if you have a cancel for a work-related reason.