Why do you need travel insurance? 10 reasons to get it before you leave home

Are you planning your next trip and wondering if you need to take out travel insurance? The answer is yes, definitely yes. Travel insurance is an investment that can save you a lot of trouble, expense and headaches if something goes wrong during your adventure. Whether you are traveling for pleasure or business, for a few days or several months, on your own or in a group, travel insurance is a must to protect you and your luggage.

Travel insurance is a contract you enter into with an insurance company to cover the risks associated with your trip. Depending on the type and duration of your trip, as well as the destination and the activities you undertake, you can choose between different options and coverages. Ideally, you should compare several offers and choose the one that best suits your needs and budget. To do so, you can use a travel insurance comparator like this one or this one.

But why do you need travel insurance, what benefits does it offer, what situations can it cover? In this post, we are going to give you 10 reasons to take out travel insurance before you leave home. These are:

To protect your travel investment
Travel insurance can reimburse you for the money you have paid in advance and that you cannot recover if you have to cancel or interrupt your trip due to a cause covered by the policy, such as illness, accident, death in the family or a work emergency. This way, you can avoid losing everything you have invested in transportation, accommodation, excursions or contracted services.

1-To protect your travel investment


Travel insurance can reimburse you for the money you have paid in advance and that you cannot recover if you have to cancel or interrupt your trip due to a cause covered by the policy, such as illness, accident, death in the family or a work emergency. This way, you can avoid losing everything you have invested in transportation, accommodation, excursions or contracted services.

2-To cover your medical expenses abroad


A travel insurance can pay for medical care costs you may need during your trip, such as consultations, medications, hospitalizations or surgeries. This is especially important if you are traveling to a country where medical care is expensive or where your regular health insurance does not cover you. For example, in the United States, a simple visit to the doctor can cost hundreds of dollars, while an operation can cost over thousands.

3-To ensure your transfer to an appropriate medical facility

Travel insurance may cover medical evacuation expenses if you suffer a serious illness or injury that requires you to be transferred to a nearby hospital or to your home country. This may include transportation by ambulance, helicopter or medical airplane. This coverage is vital if you are traveling to remote areas or areas with poor healthcare infrastructure, where adequate medical care may be difficult to access.

4-To assist you in case of loss or theft of your luggage

Travel insurance can compensate you for the value of your luggage and personal belongings if they are lost, damaged or stolen during your trip. It can also help you locate your lost luggage or provide you with essential items while you recover it. In this way, you can minimize the inconvenience and discomfort of traveling without your belongings.

5-To help you solve legal or administrative problems

Travel insurance can provide legal assistance if you are involved in an accident or dispute during your trip. It can also help you manage procedures such as obtaining a new passport if you lose it or if it is stolen, or canceling your credit cards if they are stolen. In this way, you can count on the support and advice of professionals to guide you and provide you with the most appropriate solutions.

6-To protect you against destination-specific risks

Travel insurance can be adapted to the characteristics and risks of the place you are traveling to, offering special coverage such as cancellation due to weather, political or health reasons; coverage for sports or adventure activities; coverage for car rental; or coverage for animal bites or stings. This way, you can travel with more security and peace of mind, knowing that you are prepared for any eventuality.

7-To give you peace of mind and security

Travel insurance can give you the peace of mind and security of knowing that you have financial backing and professional assistance in case something goes wrong during your trip. This way you can enjoy your experience more and avoid unnecessary worries. In addition, you will be able to contact customer service 24 hours a day, 7 days a week, to resolve any doubts or inconveniences you may have during your trip.

8-To meet the requirements of the country you are traveling to

Some countries require travelers to have valid medical insurance in order to enter their territory. This is especially common in the Schengen countries in Europe, where medical insurance with a minimum coverage of 30,000 euros is required. If you do not have travel insurance that meets these requirements, you may be refused entry at the border or fined. It is therefore important that you inform yourself about the conditions of entry to the country you are traveling to and that you take out adequate insurance.

9-To save money in the long term

Travel insurance can save you a lot of money in the long run, as it can prevent you from having to pay out-of-pocket for unforeseen expenses that can far exceed the cost of the policy. For example, the average cost of a medical evacuation from abroad can be around $100,000, while the average cost of travel insurance is around $2661. Therefore, taking out travel insurance is a smart investment that can protect your finances.

10-To access additional benefits

Travel insurance can offer you additional benefits that can enhance your travel experience, such as access to a network of quality medical providers, concierge service to book restaurants or shows, or travel assistance service to resolve any questions or inconveniences you may have during your trip. These services can make your life easier and more comfortable when you are away from home.

Conclusion


As you have seen, taking out travel insurance before leaving home has many advantages and benefits that can make your trip safer, calmer and more enjoyable. Travel insurance is an investment that can protect you and your luggage against possible risks and unforeseen events that can ruin your adventure.

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