Most of us love to travel on vacation a couple of times a year. Even on a business trip, we like to include a couple of days of unwinding at our destination. We book our travel tickets, arrange for accommodation, pay upfront for other travel expenses, and debate if we should add travel insurance. Quite often, we decide to skip a travel insurance policy, not understanding its significance.
Reasons Why You Need Travel Insurance
Trip insurance is a must whenever you travel by air, rail, road, or sea, whether for business or leisure. Travel insurance takes care of unforeseen, unfortunate incidents that might happen during your travel. It allows you and your family to have peace of mind, knowing that you have got your backs covered if anything untoward were to happen.
Here are five valid reasons why travel insurance is a must when you plan a trip.
Delay or Cancellation of Flights
Imagine paying in advance for hotel rooms, entertainment activities, tour packages, and cruise tickets, then losing it all if your flight is delayed or canceled due to bad weather or a socio-political conflict in your destination. This has happened quite often and is likely to happen even in the future. If you have taken a travel insurance plan, you will get flight cancellation coverage, which means your flight tickets will be reimbursed, or another flight will be arranged for you.
Loss of Personal Belongings
We all know someone who has lost something during travel. If it has happened to them, it can happen to you too. Imagine reaching your destination and finding your baggage stuck somewhere in transit. Consider yourself lucky if your luggage can be traced, but sometimes it’s lost for good or arrives damaged. The only way to recover such losses is by taking a comprehensive travel insurance policy that covers the expenses of personal items lost, stolen, or damaged during travel.
Medical Emergencies
There are many kinds of medical expenses you may incur when traveling. You may have an accident and need to be hospitalized, or you may fall sick and need to consult a doctor and extend your stay. All these are real possibilities and need to be considered when traveling. You can get all these scenarios covered by taking a travel medical insurance policy.
Emergency Evacuation
The current Russia-Ukraine war and COVID-19 are examples of why you may have cut short a trip and return home earlier than you planned. War, terrorist activities, epidemics, and natural calamities such as floods and earthquakes can lead to an emergency evacuation. Your trip insurance would cover evacuation expenses, including return flights to your home or a hospital of your choice in your home country.
Repatriation of Mortal Remains
In the unfortunate event of the death of any insured persons, a travel insurance policy will cover expenses for repatriation of the remains to your country.
What You Must Consider When Deciding on a Travel Insurance Plan
- Buy your travel insurance policy when you book your ticket. This ensures that you are covered even before your travel, so you are covered if your flight gets canceled.
- Since international medical treatments are expensive, opt for an insurance travel plan covering all possible medical contingencies.
- Ensure all family members are covered, as an emergency could happen to any one of you.
- Ensure deductibles or what you have to pay out of your pocket is low in case of a crisis.
- Choose a travel insurance plan with maximum coverage at the lowest premium.
Let’s make travel insurance a must from now on when you plan your luxurious tours. Bon Voyage!
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