In this day and age it’s a ridiculous notion to have to explain to anyone why they would need travel insurance; surely you have had the reasons drilled into your head time and time again, but despite that, many people still see insurance as an add-on that they can use or forget in a flippant manner.
This is definitely not the case in reality.
If you need a little persuasion to head online and find that travel insurance policy to suit your needs, check out these five reasons why you certainly need that piece of paper in your hand luggage.
In case of a medical emergency
You may be entitled to free healthcare in your home country, or you may have insurance which covers you whilst you’re there, but when you travel to a different country, the rules are totally different. It doesn’t matter whether you have the best insurance at home, which covers you for every single ailment that exists, the moment you leave your home country and fall ill in a country which isn’t your home, you are liable for all costs.
Now, if you have travel insurance, and provided you have declared any pre-existing medical conditions at the time of arranging your cover, then you shouldn’t have any problems in terms of paying for this, because your insurance company will cover it, apart from the excess cost. If your medical problem is a big one, i.e. you need surgery, then you will be extremely please you bothered to arrange cover, because the cost without it will certainly be stratospheric.
Basically, travel insurance could save your life.
In case of cancellation
You need to check the terms and conditions of your policy for this one, but generally speaking, many policies cover you in the event of cancellation of your trip. For instance, if you become ill before you leave, or you have a family bereavement and you need to cancel, some policies will allow you to either defer your trip and take it at a later date, or you will be reimbursed the cost of it.
In case of lost baggage
We’ve all heard the story of someone who travelled to one country and found their suitcase hadn’t made the journey with them, and instead had decided to go off in a totally different direction, to another country entirely. This is a pain, and whilst most of the time the luggage will be returned to the owner at some stage during their time away, it isn’t always the case. There is a bit of a Bermuda Triangle of lost luggage floating around somewhere on the planet, and if your case happens to find that triangle then you’re going to be without your belongings for your trip, and down quite a lot of money in terms of the value of what is inside it. Your travel insurance however will reimburse to a certain amount, allowing you to replace what has been lost.
The longer the trip, the more likely there is to be a problem of some sort
If you’re heading off on a long trip, i.e. a backpacking expedition, then you need cover even more, because the odds are that the longer a trip goes on for, the more likely there is to be a problem of some sort. Obviously we hope there is no problem, but you can never be too sure.
Backpacker insurance is imperative for such journeys, because the complicated nature of such a trip raises too many problematic possibilities. Again, check the small print in terms of restrictions, but flying by the seat of your pants on this one is never to be recommended.
Peace of mind
You can’t put a price on peace of mind, but when it comes to travel, the cost is relative to the price of your travel insurance policy. Put simply, making sure you’re adequately insured means you know you’re going to be okay if there is a problem, which allows you time to relax and enjoy your travels – isn’t that the whole point?