Yes, You NEED Travel Insurance

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One of the most common questions coming our way is: do I need travel insurance for my next trip? It comes as a surprise as it is a relatively important component to travel planning for us. However, such is not the case for everyone. In fact, the vast majority of people wonder whether buying into travel insurance is indeed a good idea and worth the cost. That’s why many travellers opt to avoid the additional expense. So, we’ve decided to decode the complex topic of travel insurance by tackling some of the basic questions we’ve been faced with. Hopefully, we’ll convince you to do the right thing and buy travel insurance the next time you embark on a trip!

Do I Really Need it?

Yes, you do. In fact, you probably need it more than you realize. That is, travel insurance is very important and covers a host of costs that you would much rather not have to incur in the event an unfortunate circumstance presents itself.

Whether you are faced with medical expenses or lost luggage, travel insurance can cover the costs associated to each. Imagine having to buy an entirely new set of clothes if your luggage is lost? Or, having to buy costly medications to cure your stomach virus? Travel insurance is essential to your financial well-being while you travel, so that you’re not stuck in a situation that can both stress you and leave you penniless. In fact, we think that travel insurance is just as essential as packing your passport!

What Kind of Coverage Do I Need?

The answer to this depends on what kind of trip you’re planning on taking. Are you looking to explore the rainforests of the amazon or, are planning on visiting a bustling city like London? Both options make for very different getaways with very different risks associated to each.

Given that, you can focus on finding insurance packages which include the following:

  • Emergency Assistance
  • Lost or Stolen Baggage
  • Medical Coverage
  • Trip Cancellation
  • Personal Liability

…to name a few. Based on these features, you can quickly decide which are most important to you based on your trip and then choose the right policy package for you.

Can I Save on Insurance?

Yes! As a matter of fact, the first thing you’ll want to do is see if you have travel insurance coverage via other financial products you might have including, credit cards. There might be some coverage already available to you for travel, which means you can cut down on the costs of the travel insurance you need. You don’t want to double-up on insurance, in this case, as you’ll be spending money on something you already have. Additionally, if you’re looking to travel as a family, look into family travel insurance packages which are often more cost effective than individual policy packages.

Did that help? We hope it’s clarified some confusion around travel insurance, as we wholly believe it’s imperative to buy into a policy before you travel. You just never know what could happen and you want to be prepared!

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