Travel insurance is one of the first and most important things you need before start planning for any trip. No matter how long you are planning to go on a trip, travel insurance is one of the most important things you can purchase, especially international travel. You never know what might happen when you’re traveling, especially in a foreign country.
For most travelers travel insurance may seem like unnecessary expenses, and many travelers ask themselves questions like ‘Do I need travel insurance?’, ‘Why Should I buy travel insurance?’ or ‘Why get travel insurance?’
Travel insurance isn’t just for expensive trips overseas.
The first thing to consider when asking these questions is one of the following potential benefits. This is the best way to make sure your vacation isn’t ruined by expensive emergency bills in a different location. Some of the benefits of having travel insurance are protection including; medical emergencies, flight cancellations, and vehicle accidents.
The most popular and trusted insurance for travelers is World Nomads. It is available to people from 140 countries and it covers baggage, overseas medical, theft, a range of adventure activities and personal loss.
Travel insurance is one of the most important things you can purchase for your trip and here we’ll give you 10 reasons why you should get travel insurance.
Ten Reasons to Get Travel Insurance
You Need to Cancel Your Trip
Most people had situations when they needed to cancel a trip but thinking for all the investment they will lose you can’t do it. Not all travel insurances allow for this type of trip insurance. Trip interruption or cancellation usually comes with high fees or may not be refundable.
Trip insurance offers more protection and cancellation coverage which allows you to cancel your trip at any time and get reimbursed.
Lost or Delayed Luggage
One of the most common and frustrating travel experiences is losing your luggage or having it stolen. Unfortunately, the airline can make a mistake and send your luggage with the wrong flight and your baggage will be delayed. Imagine if you are left in a country without your clothes, personal item and on top, the cost of replacing all items and the suitcase.
What is the cost of replacing everything that is in your luggage? Most travel insurances including World Nomads insurance will reimburse you each day your luggage is delayed, lost, stolen, or damaged. With coverage, you’ll be reimbursed for new clothes and personal items.
Tourist spots can attract many scammers or thefts. Especially in Europe, you can run into a lot of pick-pockets. Travel insurance can cover the cost of getting your wallet or documents stolen, cash, any electronic items you may lose.
Adventure and Sports Coverage
Action sports and snow sports are common activities for many vacation trips, so it’s important to know what your travel coverage includes. For example, some extreme sports like mountain biking or surfing may not be covered by all travel insurance companies. The right travel insurance plan would provide you with the coverage you need.
If a traveler is injured while engaged in an activity covered under their adventure sports policy, the insurance policy pays for medical expenses, and if necessary also provides medical evacuation to a facility better equipped to treat a specific injury.
Missed Flight Connection
If your flight is delayed and you missed your connection? Now you have to find a new flight to return home and even it may be higher because it is last minute booking.
With missed connection coverage, the insurance will help you pay for those travel changes without hurting your budget.
Flight cancellations and Delays
Only 80 percent of U.S. flights arrive on time! After a long vacation, you are ready to get home and at the last moment, you’ve been told that the airport shuts down all flights due to weather conditions. You have to find a new flight to return home.
And if you have a trip coverage, you’ll be refunded the expenses of a new return ticket or if you have to stay in a hotel overnight.
Losing Your Documents Abroad
No matter where you are traveling losing your passport or documents can bring you a lot of headaches. You have to pay to replace your passport and any other travel documents and you have to pay for express services. Travel insurance can take the headache away from you and reimburse you for these types of expenses.
Car Rental Collision
Car Rental Collision Insurance plan is important, especially if you are renting a car in a foreign country. This affordable physical damage insurance plan for rental cars usually provides reliable coverage for costs of repairs due to a car collision or comprehensive damage to your rental car without you having to involve your auto insurance carrier.
These plans also typically include roadside assistance benefits and provide funds for loss-of-use charges and other fees imposed by rental car companies.
All travel insurance companies include a free look period with a refund that lets you review the plan documentation.
Medical evacuations or treatment typically cost tens of thousands of dollars, but with travel insurance, you are covered.
If you hiking on your trip and you hurt badly your leg or if you got bitten by insects while traveling abroad, and you need to be taken via helicopter to the nearest high-quality hospital, the cost could be huge.
World Nomads insurance will cover your medical treatment or emergency evacuation.
Medical Insurance Coverage
Most likely your dental or health insurance won’t work overseas and medical emergencies can be really expensive.
According to the U.S. State Department, “many foreign medical facilities and providers require cash payment up front and do not accept U.S. insurance plans. Medicare does not provide coverage outside of the United States.”
If you get sick or hurt in another country, your health insurance card won’t work and you have to pay out of your pocket as foreign medical facilities do not accept U.S. insurance plans. When you have travel insurance with emergency medical and dental benefits, it can cover any medical and dental emergencies during your trip.
If you want to learn more travel tips check our other posts travel tips and tricks.