Benefits of Travel Insurance

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Benefits of Travel Insurance

By Carol A. Wilcox    Photo by Francesca Tirico on Unsplash

Are you planning a trip? Wondering about whether you should purchase travel insurance? If you want to learn more about the benefits of travel insurance, this article will help.

Travel insurance protects you from the unexpected. This could be anything from trip cancellations, a sudden illness or injury, lost baggage to trip interruptions. The benefits of travel insurance can be extremely valuable if you have made a significant investment in your trip or have non-refundable expenses associated with your travel plans. Here are some of the most popular benefits of travel insurance:

Trip Cancellation - If you have to cancel your trip due to an unexpected change in plans, or if you have to cut your trip short, travel insurance can reimburse you for losses such as flights, accommodations or travel packages including cruises.

Trip Interruption – It happens. You’re at the airport and all set to go when the announcement comes that all flights to your destination have been cancelled. Trip insurance will reimburse you for unused trip costs.

Baggage Loss or Delays – If your baggage is lost by the airline or delayed in getting to you, the benefits of trip insurance assure you that you will be compensated for your personal items.

Accidents – If you have an accident while traveling or if you accidentally die, the benefits of trip insurance will provide you/your beneficiaries with compensation.

Health Emergency – If you experience a health emergency while traveling, travel insurance can pay for medical transport or evacuations and medical care. If something happens while traveling, especially travel to a foreign country, the benefits of travel insurance that covers medical emergencies can mean the difference between paying little-to-no out of pocket costs to thousands of dollars in out-of-pocket costs.

Loss, damage or theft of personal items – No one likes to think that their personal belongings may be lost, stolen or damaged while on a trip, but it happens frequently especially with high ticket items such as laptops or tablets, cell phones, cameras and jewelry. Even passports are on the list of items that may be lost, damaged or stolen. The benefits of travel insurance will provide compensation for these types of personal items.

Choosing the right travel insurance plan

There are many different types of travel insurance plans on the market depending on the type of trip you’re taking. There are plans for travel by air, cruise travel and international travel. Most travel insurance companies offer a wide variety of options including group travel insurance and multi-trip travel insurance and they recommend that you request a quote for your specific travel plans and budget. You can find our recommendations here.

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