Travelers insurance is not one of the things that is not always highlighted when it comes to traveling. Honestly, when I first began traveling I knew nothing about it. But I always believed that when you know better you do better. Travel insurance is essential because it protects you and your trip. There are a variety of companies that offer a variety of insurance as well as airlines, cruise lines, buses and trains. I advise anyone and everyone to get it. Travelers insurance covers everything from the trip, delays, emergency evacuations, medical, canceled flights, and (I know some don’t want to admit this) death. Yes, unfortunately people have died while traveling and I am not wishing this on anyone, but an informed traveler is a good traveler. Here are four reasons why you should get travelers insurance.
- Realistically you could get hurt: just like in your normal day to day life you could get hurt walking down the street, you can get hurt traveling. I have read stories of people’s ear drums popping while diving and people have chipped their tooth while traveling. Travelers insurance was able to cover the bill.
- Sometimes you cannot take a trip: Life happens. Sometimes you have to cancel a trip due to health reasons, or a death in the family. Most travelers insurance will refund the amount of the trip. Also some insurance carriers have cancel for any reason. It is usually a little bit higher, but it may be worth it to some.
- You may already have it: Some credit cards, if you book your trip with the card, they may have some insurance to protect your trip. However, please check with your individual credit card company. If the insurance is not sufficient for you. The flight and hotel maybe insured but not your health. So please look.
- Health care is not always free: Many people believe that since most of the countries in the world have free health care, most of the time it is not free to travelers.
Bonus: It’s not that expensive. Some polices are even $20! Most of us spend more than that in a day on food. Spend the money to save your life and peace of mind. You just have to find the right fit for you.
These reasons are not in any specific order. This post is not sponsored. I just wanted to encourage travelers to get insured. Most travelers do not have $100,000 sitting around for travel emergencies. There are many websites that one can compare policies and I advise you do. Please be informed and pick the policy that fits you best.
Happy planning, safe travels and smile.
Question to think about: Why haven’t you purchased travelers insurance?