Five Reasons Why You Should Consider Travel Insurance for Your Next Trip
When you plan a big trip, you have every intention of making sure everything goes according to plan. Because traveling can be expensive, you don’t want to have to pay extra for travel insurance, especially if you think there’s no way you’ll miss your trip.
Although you may want to save the money on a travel insurance policy, if you’re planning on being gone for at least one week, you should definitely consider travel insurance.
You Can Go Home Early if You Get Sick or Injured
The last thing you want is to end up sick while you’re on vacation. Although you may be able to make it through a minor illness, like a cold, major illnesses can ruin your vacation. If you have preexisting conditions, it can be an even bigger challenge to muscle through your vacation when you don’t feel well.
You could end up getting injured as well. Whether you’re participating in extreme sports or you find yourself in a car accident due to someone else’s recklessness, you probably aren’t going to want to try and recover in a hotel room. You’ll want to go home.
With traveler’s health insurance coverage, you can go home without losing all the money you’ve already spent on your hotel and activities. This type of coverage often also includes emergency medical evacuation, which can bring you peace of mind if you’re traveling during hurricane season or visiting a country that sometimes gets hit by tsunamis.
You Can Cancel Your Trip
You may have every intention of going on your trip, no matter what, but life sometimes has other plans. You could simply come down with a severe case of the flu, but it may also be the case that a family member becomes hospitalized or your home is damaged in a severe storm. You shouldn’t force yourself to go on your trip. You should be able to cancel it.
With travel insurance, you can cancel your trip for any reason. When you do, you won’t have to worry about out-of-pocket expenses that you would lose if you cancel your trip without a policy. Then, you can use that money to plan your trip for another time.
You Don’t Have to Worry About Lost Luggage
Losing luggage when you’re on vacation can be a huge pain. It’s the last thing you will want to deal with when you get to your destination.
Not only can it be irritating, if you realize you’re without your toothbrush and underwear, but it can be downright devastating if you’re traveling for a wedding and your dress is lost or there are important documents in your luggage.
Your travel insurance policy can help. Instead of trying to recover your bags on your own, you can call your insurance provider and they will help recover your bags on your behalf. They can also reimburse you for new clothes and personal items. That way, you can make due until your luggage arrives.
You Don’t Have to Worry About a Missed Connection
Missing a connection can be devastating. It can mean that you’re stuck in the airport paying for multiple nights in a hotel you’re not even staying in, but it may also mean that you completely miss your cruise.
A travel insurance policy that includes missed connection coverage can help you find the next available flight to your destination, which includes paying any extra it would cost to help you get there. They may also be able to help you figure out how to meet up with a cruise ship you missed at the first port of call.
You Can Get Peace of Mind Services
There are some surprising things that travel insurance covers, which includes a variety of emergency and peace-of-mind services. They include things like:
- 24-hour emergency assistance hotline
- Referrals to local medical providers
- Multilingual interpreter services
- Relaying messages to family and friends
- Emergency assistance for missing passports
- Local dining information
- Information on sightseeing tours
- Golf, spa, and hotel reservations
Having a travel insurance policy is like having someone in your corner that you can call, whether something goes wrong or you have a simple question about your destination.
You can plan your trip without travel insurance, and it could all go according to plan, but if it doesn’t, you’ll be glad if you decide to purchase a travel insurance policy. Whether you have to cancel your trip or you missed your cruise, travel insurance will make sure you aren’t out anything.
