Travel Insurance Explained

There are very few things in life that compare with the feeling derived from getting away from the routines of everyday life. Knowing that you can sleep whenever you want, wake up whenever you and see completely new faces every time the sun rises.

Retirement is not what we are referring to. I am suggesting traveling far from home, away on a trip. But there are always risks in life. These risks are the reason you need travel insurance. Insurance covers you in the event that Mr. Bad Luck happens to strike.

But do you really need travel insurance? Well, that may depend almost totally on you. But as a matter of good practice, you probably would want to consider making it a part of your travel plans and budget, even if it is just for the peace of mind that you get from knowing that you are covered if anything goes wrong while you are enjoying you cruise, sipping wine on the beach or exploring the jungles of Africa.

You should consider investing in travel insurance before your trip for several reasons.

1. Accident Coverage: A familiar insurance advert on US TV is “life comes fast at you”. You never know what may happen next. This is especially true when you are in a land far away from home. You don’t want to be involved in an accident and have to pay all expenses from your pocket. If you have travel insurance, you are most likely covered when you have an accident.

2. Disruption of Travel: These days, flight cancellations and airport delays are commonplace. If you are a business person and have meetings to attend and other timed assignments to meet, you may want to be insured against such disruptions, as these are not ideal for you. Once you have insurance, your provider will make arrangements for you so that you can transfer tickets or use alternative transportation; best of all, the expenses will be prearranged or reimbursed afterward.

3. Medical Insurance: While away, you may suffer bodily injuries or even take ill and need medical attention. Without adequate travel insurance, you will be solely responsible for any and all expenses that you incur as a result of any medical treatments that you may need and get. The right travel insurance will, however, have provisions for such unpredictable expenses.

4. Baggage Delay and Loss: Statistics have shown that thousands of passengers lose their baggage every month through the carriers’ carelessness or theft by others. Thousands more have theirs delayed daily. If such a misfortune befalls you, will you just take it lying or will you do something about it? Without a travel insurance policy that covers you in case of baggage delays or loss, you may find yourself in very bad waters.

Everyone gets excited about travel, about the prospect of visiting other places and getting away from it all for a while, but that’s no reason not to make sure you are protected by travel insurance while you’re there.