Travel Insurance sounds like one of the many insurances you don’t need. For many, getting a travel insurance is just another added expense and many travelers are going to be like , ‘Why do you really need one? What are we actually buying?’ Actually getting a travel insurance is a smart move. I even take a small insurance for my overnight bus journeys which covers for accidents and baggage loss.
People generally learn only from their mistakes. Before travelling, they spend a lot on their high end DSLR but fail to get the travel insurance to protect it, which will only cost 5% of the whole expense of the journey. Anything can go wrong on a trip. Consider you didn’t take a travel insurance, someone can steal it and that will spoil the whole trip. And if you have the travel insurance in place, then just get a police complaint registered and get the amount reimbursed from the travel insurance company. This is just one case where travel insurance can save your ass. There are many more.
OK the D-day has arrived but you can barely get up from your bed. You are sick. Obviously you are not gonna make to the airport on time. The trip cancellation coverage will help you recover the expenses.
Missed the Connecting Flight:
Layoffs are always a pain in the a**. But missing the connecting flight. How bad can it get now? But if you have the Travel Insurance then the missed connection coverage can take care of this. You will be assisted in booking the next flight and the expense will be taken care off.
Getting sick or injured while on the trip:
Ooohhh street food. Looks so yummy….munch munch. Few moments later you might find yourself rolling on your bed. If you are not used to having street food, things can get really bad. If you have the medical coverage in your travel insurance plan then you can get assistance to locate the nearest hospital and safe transportation. Medical expenses in a foreign country can break your bank if you do not have a travel insurance in place.
A few days before your trip, the rats decide to come out of the hole and create a ruckus in the country you are about to visit. The Govt closes all airports and declares emergency. The trip is not going to happen anyway. But you need not worry about the money you spent if you have a terrorism coverage. I am not sure how many travel insurance companies provide this add-on as it is not mandatory but this is upto you depending on which country you are visiting.
You have arrived at your destination airport. But the airline decides to send your baggage off on a Solo trip to some other place. You are stranded without any clothes and other personal items. But you can relax if you have a coverage for delayed bags. You will be reimbursed for the essential items and the service hot line can help you get your bags back.
Another case is where the baggage gets stolen in transit. With the coverage for baggage lost or damaged, you can get reimbursement for new clothes and personal items and also a luggage bag.
Passport gets lost:
This is for the most absent minded travelers like me. Your passport is the most important document for you while traveling. There can be times you misplace it and it gets lost. It is always recommended to keep a scanned copy or printouts of the passport in person at all times. Travel insurances usually have the coverage for lost passports which will expedite the the process of getting a new passport.
Emergency Assistance Services:
You are on a Road Trip in a foreign land and the car suddenly breaks down. You don’t speak the local language and you are stuck without any alternative transportation. With the travel insurance you can get emergency assistance which can help you get to your destination without further hassle.
Now you had a great vacation. At the Airport, you see that your return flight has been cancelled by the airlines because of some technical issues. But the Trip Interruption Coverage can get you on the next flight home or reimburse your flight expense.
The above mentioned scenarios can seem scary to rookie travelers especially if you want to Solo Travel. But like I said, Travel Insurance can come in handy in all these sticky situations. Anyway it is upto you to get the best travel insurance based on your travel plans. Travel Smart…Travel Safe.
Always remember one thing, if you can’t afford Travel Insurance , then you can not afford Travel.