If you’re like the casual traveler, you may not think you need travel insurance. After all, it will only make your next trip more expensive, right? As long as you are physically fit, you chances are you won’t need to shell out extra bucks for insurance you probably won’t use…
Actually, wrong. Though nobody likes spending extra money, purchasing travel insurance could provide you with several quality benefits. Let’s go over a few of them to see why you should have travel insurance for your next trip.
1. Your Trip is Cancelled
Let’s start with the basics. What if your trip is cancelled? It may not seem likely, but flights are cancelled all the time due to bad weather and technical issues. What happens if you are stuck at a layover with a cancelled flight?
With flight insurance, you will have access to trip interruption coverage that will provide a refund on your interrupted flight. Some insurance even pays for lodging fees so that you can stay in a quality hotel while you wait on the situation to be sorted out.
But it’s not always external circumstances that cancel your trip. Sometimes, it’s you. If you need to cancel your trip for any purpose, you can take advantage of your travel insurance’s trip cancellation coverage to get back your out-of-pocket expenses for certain cancellation reasons.
2. You Get Sick or Injured
You knew this was coming. What happens if you get sick or injured during your trip? It may sound far-fetched, but it’s not out of the realm of possibility. Even if you are young and healthy, there’s no guarantee that you won’t encounter some contaminant during your trip. What if, per se, you drink some dirty water that makes you ill?
What if you fall during your hiking expedition? You need to keep these thoughts in mind so that you can give yourself the most protection during your next vacation. With the right travel insurance, you never have to worry about getting sick or injured while on the go.
3. You Lose Your Passport
Many travel insurance plans offer coverage for lost passports, meaning you will be covered if your passport mysteriously disappears somewhere along the way. Trust us—you don’t want to be stuck in a foreign country without your passport. This only introduces you to a world of trouble.
For this reason alone, it’s worth buying a quality travel insurance package that will keep you covered in case of an emergency. With the right insurance, you will be able to expedite the passport replacement process.
4. The Unexpected Occurs
We like to think we can control everything. The unfortunate reality is that we often cannot—especially when we are in a foreign country where we likely don’t even speak the language. What happens, for instance, if you get caught on a bus that suddenly breaks down?
With emergency assistant services, you can contact agents who will find and pay for you another means of transportation. This means that you never have to worry about being alone in the middle of nowhere. What’s more, with the right insurance, you can also recover the money you lost as a result of the incident.
5. You Miss Your Connection
We all make mistakes sometimes.
If you’ve ever missed your connection, you already know what this is like. Luckily, with the right travel insurance, you never have to worry about missing a connection again.
Missed connection coverage allows you to get the next flight out and helps you pay for the trip. This gives you the security of knowing that you at least won’t be too late to your destination.
Taking advantage of this and other travel insurance benefits could set you up for the ultimate trip! For this reason, you should consider buying travel insurance today and be sure to ask these ten questions prior to buying a travel insurance!