Is Travel Insurance really that important? Yes! Especially now!
Do you really need travel insurance? How often have you gone on holiday and actually utilized your insurance? Most people never have to call up the insurance provider and make a claim of any sort. This makes you wonder, is there a point? You’re spending a lot of money on something that you never see the benefits from. To understand travel insurance’s true value, let’s look at some of the key coverage areas and consider where you’d be without them.
Most travel insurance providers will cover you if your luggage gets lost or stolen. For me, this is one of the best benefits as you’re kind of lost without it. It’s easy for luggage to go missing, and a lack of insurance means you’ve lost your belongings and get nothing to compensate for them.
Flight delays are frighteningly common! Think back to the last time you traveled and consider how many flights were canceled or delayed by hours. Again, insurance covers these situations. You get compensation to board a different flight or even have accommodation set up while you wait. Without it, you’ll have to spend your own money to get on new flights or to stay in a hotel while you wait for another flight to become available. Sure, airlines provide some compensation level, but it’s usually just a refund on your tickets.
What happens if you’re injured while on holiday? In most countries, you have to pay massive medical fees to get any sort of treatment. This can often lead to some people paying for a flight home before getting any treatment. Travel insurance has add-ons for injuries and medical expenses that can cover you in these situations. However, you could also see the same benefits if you hired some first-class legal services. Here, you could claim personal injury compensation, though you aren’t covered if you get sick and have to pay medical bills. So, travel insurance can still come in handy.
Also, it’s worth adding that most travel insurance providers also cover legal expenses. So, if you did get injured while abroad, you could use your insurance to cover the cost of your legal fees while trying to claim compensation.
Yes, travel insurance really is worth the money. I think the best way to phrases this is that it’s better to have something and not need it than to need it and not have it. This couldn’t be more true for travel insurance! It can feel like a waste of money when you don’t need to use it, but consider how much money you save if it does kick into action!
Obviously, you can do what you want, but it’s advisable to get travel insurance before you go abroad. If you’re worried about the costs, you can always pick and choose the coverage levels. Do you need cover for injuries or sports if you’re just going on a relaxing holiday? Probably not! Have a look around, make comparisons, and you’re bound to find an option that suits your budget.
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