In case you’re involved in an accident, fall ill or is the victim of a crime, you’ll thank your lucky stars that you decided to go for travel insurance.
Being away from home, in a country where you
If you’re still in doubt, we’ve put together our top 10 reasons for having travel insurance, so have a look and see if we can change your mind!
Pro Tip: There are many different types of travel insurance policies that cover different areas, so spend some time shopping around in order to find the one that’s perfect for you. P.S. We’ve got the perfect solution for Digital Nomads at the bottom of this post!
We’ve all been there, hit by the sudden realization that a pocket is too empty, the number of bags have magically shrunk or a phone’s being conspicuously absent. It’s perhaps the most common bad thing that happens to travelers: losing your stuff or having it stolen. It can happen to the best of us, and when – or if, fingers crossed – it does, knowing that you can at least get your possessions replaced is a pretty nice silver lining.
Yeah, sure, sometimes a missed flight is totally our own fault, but at other times the reasons that you’re late is due to circumstances out of your control. A car can break down, there might be an accident, and if this happens your insurance will cover the costs of additional travel expenses. In the same way, if a flight is delayed, whether it’s a strike or bad weather, you can get compensation for things like food and drink purchased while you’re waiting. This section often also covers any hijacking that make take place. Pretty neat, don’t you think?
Having to cancel that amazing trip you’ve planned for, and looked forward to, for such a long time would really suck, but sometimes there’s nothing you can do about it. You or a close one might get ill, perhaps your life situation changes and you can no longer afford the traveling. Or maybe you’ve just changed your mind. Either way, your insurance will cover any costs that won’t be refunded. This is also the case if you need to go back home earlier than expected (referred to as curtailment). It’s always nice not having to pay for experiences you didn’t get to have.
Most people don’t really want to think about getting into an accident or becoming really ill on their travels, but this is the most important section of your travel insurance cover: emergency medical or repatriation expenses. Medical treatment overseas can be incredibly expensive and a large amount of debt is not something you’d ever want – especially not after having to cancel your trip. This can also cover your journey back home, whether you need an air ambulance or not.
Sometimes you’ll need some medical attention without it being an emergency, and those hospital bills can also be rather large so getting some cover for any longer visits you might need to make to the hospital can be a wise choice. Also look out for a policy that covers dental treatment, which can be really expensive. You can even get some compensation should you have a personal accident, pretty good!
As with many other insurances, a pre-existing physical condition could change the terms of your travel insurance – or cover for it might not be included at all, in which case you’ll want to keep on looking so you’ll get one that will compensate you for all sorts of treatments. This is also true for injuries caused by extreme sports, so if that’s on your agenda, make sure that the insurance policy you choose won’t deny you your compensation. Better safe than sorry, right?
Just like you’ll probably need some extra cover for certain conditions and activities, many insurance policies don’t include expenses caused by natural disasters or acts of terrorism. This section is similar to previous sections – especially those concerning delays and cancellations – but adds an extra layer of security should your destination experience floods, earthquakes or even medical epidemics. A ruined holiday is bad enough without having to deal with extra costs.
In case you’d accidentally cause damage to property belonging to someone else, or if you’re the reason they get hurt or injured, you might have to deal with more with just the embarrassment: it might be up to you to pay for all the damages. Don’t worry though, because insurance can cover that too! It can also help you in case you’d get in trouble with the law, which can be very useful seeing as most prison experiences aren’t as nice as that of Bridget Jones.
You want to make sure that you’ll get your money – including travel cheques – back in case you lose it or it ends up in someone else’s pocket. How do you do that? Insurance, of course. You can even find policies that will pay if you need your passport or any other travel documents replaced – pretty vital things when you’re in a foreign country and need to cross a border or prove your identity.
Insurance is one of those things that you get but hope you’ll never have to actually use, much like umbrellas or plasters. Whether anything happens or not, having insurance will take a lot of worrying off your mind so that you can focus on more fun stuff – like how you’re gonna fit those new shoes in your already overly full suitcase, or which beach is the best for learning how to windsurf. Traveling can be a bit stressful at times, but with insurance, you at least know that someone’s got you covered, literally.
..that each person might need their own insurance, and look around until you find the best one for you. We sincerely hope you won’t have to use it, but travel insurance is a must either way! So go have a look at one right now, so you can enjoy your traveling in peace!
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