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10 Reasons why you should buy travel insurance to secure your trip

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Published on February 12, 2010 | Est Read Time: 3 min

Travel! Yes, that is a hobby that most of us love. It is a way to escape the reality of everyday stressful life. It is a balm for an anxious and depressed mind. It is a learning in itself. It helps you re-discover yourself, rejuvenates you, strengthens your relationships, and creates everlasting memories. Of course, it also acquaints you with new places, cultures, cuisines, rituals and styles of living.
So, generally, normally when you travel to feel the above-mentioned spirit, you would want some sense of peace. That is why it is important to opt for the best travel insurance whenever you plan any trip, especially if you are going abroad. Most importantly, it acts as a safety net against any sort of unforeseen medical expenses or any travel emergencies, such as loss of baggage in transit.

Let us look at 10 other reasons why it is important for you to get travel insurance.

1. You do not want to lose your money if you need to cancel your trip:

   Sometimes, even the best-planned trips need to be cancelled. And most tour operators and airlines give minimal or no-refund, especially when it’s a last-minute cancellation. At such a time, you will be glad that you have travel insurance as you can claim a refund and plan the trip at a time that is more suitable for you.

2. You save on any unforeseen medical expenses:

   It is not that since you are on vacation, sickness and disease are on a holiday too! There is a possibility that you can get seriously hurt or sick in another country. Hospital expenses in a foreign country could cause a hole in your pocket. Travel insurance comes to your rescue in such a situation as it covers you for any sort of medical emergency.

3. You don’t want your trip to be ruined due to lost baggage:

   If your baggage is lost in transit, it could be an added financial stress for you as it would be difficult to replace clothing, electronic devices and medication. The travel insurance will hold you in good stead here as depending on your policy, it would cover the cost of most items.

4. You miss your connecting flight, or your flight is cancelled:

   With so many flights at work, there is a possibility that due to a delay, you may miss your connecting flight, or your flight gets cancelled. In this situation, the travel insurance will cover you for this cancellation or miss. What’s more, it will also help you find accommodation in case you are stranded due to this situation.

5. You might need to be evacuated on an emergency basis:

   In case you suffer a serious injury or get severely sick, you might need an emergency evacuation, either to get home or to a nearby hospital. This kind of evacuation is extremely costly in foreign countries. Your travel insurance will cover the costs arising out of such an evacuation.

6. You lose your documents or fall victim to theft or pickpocketing:

   One of the worst experiences that you can encounter as a traveller is losing your documents or losing money, jewellery or electronic items due to theft or pickpocketing. Good travel insurance will help replace your documents and get you safely home. It will also help you replace what was stolen.

7. You lose a loved one before your trip:

   If a close friend or family member passes away, you might have to cancel your trip. If you have opted for the trip cancellation coverage under the aegis of your travel insurance, you may be able to cancel or postpone your trip.

8. Your trip gets cancelled due to a natural calamity, terrorism and civil war:

   A hurricane, earthquake, winter storm, flood, etc. has ravaged your destination or a terrorist event or a full-blown civil war has occurred at the excursion that you have so sincerely planned. Well, it would now be unwise to travel now. Some travel insurance policies do provide protection for weather damage or a terrorist cover. So, you can cancel the trip without any financial stress.

9. You get a personal liability cover:

   If there is any loss or injury that you cause to a third party in a foreign country, it could cause legal and financial troubles. Your travel insurance will save the day in such a situation.

10. Your insurance policy is a friend in an unknown territory:

    Finally, your travel insurance is a 24*7 available friend. You are assured of its support, no matter what!

Conclusion:

Travel insurance will help you in the worst of times and see to it that your peaceful vacation does not turn into a nightmarish experience. Of course, you will have to research online to find the best travel insurance that will suit your needs. Once you have analysed the various travel insurance policies available, do make sure to get the best travel insurance to enjoy an amazing and fruitful vacation!

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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