Sometimes things in life don’t go according to plan, and
traveling is no exception. With the right attitude, and great travel insurance,
you can rest assured that your trip will still be a memorable one.
Travel insurance helps protect more than just the
traveler’s trip investment. Here are 10 important reasons to purchase travel
insurance.
1. Trip Cancellation — It doesn’t matter whether you are flying domestically
or traveling internationally to a destination like Norway. Plane
tickets are expensive. Travel insurance will reimburse the price of the airline
tickets if the flight is suddenly canceled due to some unexpected life event.
2. Lost Baggage — Airlines, hotels and travelers lose baggage. It’s not a
frequent occurrence, but it can happen. Personal belongings cost money to
replace, and an insurance policy will help cover the replacement expense. A
traveler can also opt to purchase excess valuation travel insurance on their
luggage to cover over and above the airline’s liability amounts.
3. Evacuation — Mother nature is unpredictable. It’s not unusual for
typhoons or hurricanes to hit places like Cancun or other beach side places such as hotels in Cabo San Lucas. In these situations, the areas must be evacuated.
4. Medical Coverage — Private health insurance coverage often does not cover
medical expenses when traveling abroad. Travelers insurance covers varying
amounts of emergency medical care anywhere in the world.
5. Theft — Theft happens both domestically and internationally.
With travelers insurance, the cost of the stolen items are covered.
6. Airline Ticket
Reimbursement — Few travelers realize
that most airlines will not reimburse the cost of airline tickets if a natural
disaster or act of terrorism occurs.
7. Emergency Stay
Coverage — If a passport is lost, the traveler
might be faced with a costly departure delay. Insurance alleviates the cost of
the extension by covering the hotel and food expenses.
8. Rental Car Coverage — Even purchasing rental car insurance from the rental
car company is often not enough. High deductibles frequently need to be paid
before the car rental company’s insurance steps forward. Travel insurance helps
to pick up the cost of deductibles or other unforeseen expenses.
9. Credit Card
Shortfall — Many credit card companies provide
some form of insurance protection, but they might fall short. Travel insurance
picks up the excess that the credit card company will not pay.
10. Medication
Coverage — People with prescription medication
can forget their prescriptions at home, only to discover their health insurance
will not cover the pharmaceuticals when traveling overseas. Travel insurance
covers all or a portion of medication costs and will also help locate a
pharmacy anywhere in the world.
It doesn’t matter if a traveler is taking
a short local trip or flying to an exotic location; traveler’s insurance
provides priceless peace of mind.
Sources:
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