5 Essential Reasons to Have Travel Insurance

A lot of people don’t see traveling as a big investment like houses or cars so they always wonder “Do I really need travel insurance?”

What is Travel Insurance?

Travel insurance is a type of plan you purchase which is aimed at protecting you from certain costs and losses associated with traveling. 

A vacation is a lot of money and is definitely worth insuring in case of unforeseen circumstances that can threaten your travel plans. 

Travel insurance covers medical expenses, trip cancellation or rescheduled, lost luggage, accident and any other losses incurred while traveling either domestically or internationally.

Let’s get to the detailed reasons you need a travel insurance plan. 

Lost luggage

After a very long flight, you’ve finally arrived at your destination but unfortunately, your airline made a mistake and your luggage will be delayed. 

You’re left with no clothes or any other personal belongings. Relax if you’ve got travel insurance that covers your luggage, all your lost items will be covered. 

You’ll be reimbursed for your clothes, electronics, medications, personal items, and even your suitcase. 

Losing your luggage and individual items or having them stolen is not uncommon while traveling. With traveling insurance, you can be reimbursed for all these expenses.

Medical cost

You and your friends have planned a girls trip to Victoria falls to skydive since college.

After your first night in Zambia, you wake with severe headaches and high fever. 

You cannot skydive from the Victoria falls which presents an extravagant view of the grandeur of Zambezi River that forms a border between two African nations- Zimbabwe and Zambia. 

You need medical help instead!

Your health insurance policy might not be able to cover you in other countries but with travel insurance, you can cover these eventualities.

Medical costs for visitors are usually very expensive. Travel insurance ensures you get the best quality of health care to be moved back home or a better medical facility when abroad. 

Rescheduled and canceled flight costs

The day for your sister’s wedding has finally arrived but your flight has been canceled which is unfortunate. 

Flight delays and cancellation can totally ruin your best-made travel plans. 

Travel insurance can cover the expenses you didn’t budget for when you miss your connecting flight or you didn’t even take off at all due to technical issues, unfavorable weather conditions of even strike.

 Your insurance company may also provide a hotel you can stay in till the flight issues are resolved. 

Also, travel insurance protects frequent flyer points. 

Frequent Flyer Program(FFP) is a loyalty program offered by an airline to motivate costumers enrolled in the program to accumulate points – Frequent Flyer Points which can be redeemed for air travel or other rewards.

 With travel insurance, you can get compensated the value of the points if you paid for your flight with flyer point and you are not able to recover them due to flight disruptions. 

Car hire 

You’re on a vacation and you need to move about the state or city, with travel insurance you can be sure of stress-free car hire for your domestic transportation. 

Travel insurance will also cover for damages in case you’re involved in an accident with a hired vehicle.

 Without travel insurance that covers for accidents on hired cars, you’ll have to pay a lot of money even if you’re not at fault. 

Minor accidents could also cost you a lot in another county and might even ruin your long-awaited vacation. 

Travel disruptions

Travelling comes with a lot of occurrences which are beyond your control. 

You might get called for that big job you applied for in the middle of your vacation and you have to resume immediately or maybe there is an emergency at home. 

Without travel insurance, travel disruptions as such may cost you a fortune and even your savings too because you might have to start making new bookings. 

Many travel insurance packages will cover for unplanned incidents that are beyond your control so that you don’t have to spend so much in case an emergency occurs. 

Bottom line

Travel insurance is a lot more important than we think it is. 

Travel insurance is ideal for family trips because it can cover everyone on the trip. 

With travel insurance, a traveler has peace of mind because they don’t have to bother about liabilities.

Get travel insurance for a blissful and stress-free holiday experience.