A vacation can take a long time to save for, but can be ruined in just a second if you don’t have travel insurance. Below are just some of the reasons why buying travel insurance is a must!
You can never predict what is going to happen when you are abroad. Unknown territory, unknown customs; you need to expect the unexpected and prepare for all possibilities. The best way to do this is to buy travel insurance. Having travel cover will not only give you the peace of mind of knowing that you are financially protected should any sort of situation arise, it will also ensure that you get where you need to be.
Travel insurance protects you in the event of any cancellations or trip delays. Often times the kind of plane or train ticket that you purchase is non-refundable. Yet you purchase it, regardless, trying to save some money and not foreseeing any disruptions. Well, if the airline cancels the flight, or you miss your connection, this could potentially mean that you are out of this money and not where you need to be. When you buy travel insurance you will be protected from situations just like this. Your insurance company will make sure you get to where you need to go and cover all of the associated costs.
Accidents are another important reason to buy travel insurance. No one can predict when they will be injured. Perhaps you fall and twist your ankle; you get bit by a snake, or you have an allergic reaction to a new food. You obviously need treatment that can’t be put off until you get back into the US. Without travel insurance this means paying out of your own pocket for medical costs. Maybe it is just $100, but depending on your medical situation it could very easily end up in the thousands. Travel insurance will cover all of these costs including hospital stay, treatments, flight home, etc.
What about when the airline loses your luggage and you are stuck having to buy new clothes and toiletries to use while you are on your trip? This could be a lot of extra money depending on how long you are staying abroad. When you buy travel insurance you are covered for your bag’s contents and will be given money to compensate for the inconvenience of delayed luggage, or you will be refunded a larger amount if your bags are lost and unable to be returned to you.