You spent a long time awaiting your vacation, saved up for it, and basically planned each thing you will do and place you will see once you get there. Or perhaps, you just made the travel arrangements and let your vacation be a mystery. Whichever it is, you will need travel insurance for that trip, and any other trip you will be making in the future.
I know that this sounds like an unnecessary, extra expense on top of all expenses, but travel insurance actually covers many things, some of which are highly common on trips. Here is what a good travel insurance will take care of for you:
1. Trip Cancellation
Travel insurances cover all kinds of expenses you made on your trip. Start with plane tickets and cruise fares, to hotel rooms and tours you have booked – if you choose the right insurance, you can get reimbursed for everything.
Of course, the reimbursement comes if you have a covered reason for it. Some of the typical reasons you can use to get a trip cancellation refund are:
- Sickness or injury
- Death to a family member
- Death to your traveling companion
- Natural disasters that damage the destination
- Work obligations
- Bankruptcy of the travel company
- Jury duty
- Terrorist incidents in the destination
This is far from a full list and the list you will get will depend on the choice you make for insurance. This is why comparing travel insurance is a must for you before you go on a trip. Whichever you choose, it is best to have travel insurance if something happens.
2. Medical Problem or Emergency
Your healthcare insurance should have you covered in a specific territory and range, but it does not apply everywhere. If you leave your state, you probably won’t have health coverage. The common cold, fever or allergy can cost you your entire budget, or you might risk inadequate medical care because you don’t have insurance.
A good travel insurance will cover all the medical care you need when you travel abroad.
3. Emergency Evacuation
Coverage for emergency evacuation is part of a travel insurance. This insurance covers expenses such as medically equipped flights and airlift that get you back home, as well as transportation to the hospital where you want to get healthcare.
4. Delayed Flight
Travel delay coverage will give you a refund of any expenses you had because your flight was delayed. If you need a place to sleep until the next flight, you are very likely to even get a hotel room and a meal at a restaurant.
5. Baggage Delay and Loss
Travel insurance covers lost and delayed baggage. Your vacation will surely not be the same without your belongings, but you will appreciate being refunded for everything, including the luggage.
6. Lost Passport
Losing your passport on a trip is a horrific experience that can cost you a lot and make you obliged to stay in the country until you get a new passport. An insurance company will cover the expenses and speed up the process for you, acting as a mediator.
7. Phone Assistance
A good insurance company provides 24/7 phone assistance, worldwide. Consider it a kind of lifeline you can call whenever you need help on your trip. Depending on what your insurance covers, you can call them if you have a canceled flight, stolen baggage, medical emergency, lost passport, etc.
Here is what you can get from travel assistance services:
- Help with locating a hospital nearby when necessary
- Organization of medical transportation
- Organization of transportation to your home (evacuation)
- Arrangements for treatment
- Prescription replacement in a case of an emergency
- Lost baggage searching or replacement of stolen luggage
- Lost travel documents or passport assistance
- Emergency interpretation help on the telephone
- Assistance after a rental car collision
Travel insurances can cover a variety of things, including life insurance for dismemberment or accidental death, hazardous sports if you are planning to join dangerous activities, rental car collision, and even identity theft. Of course, this will all depend on the insurance you choose to get.
We recommend you to take a look at your travel arrangements and get an insurance that covers every risk you are taking by completing your travel to-do list. Travel insurance cost is incomparably lower when it comes to the high expenses it covers and can be the thing that turns your trip from a nightmare to a bearable, memorable experience.