Travel insurance is essential if you plan to take your holiday away from home. In most cases, you should invest in this vacation essential. This insurance provides emergency care, action, or reimbursement if something goes wrong on your trip. This can include anything from canceled flights and lost luggage to medical emergencies and weather-related evacuations. This is an essential way to prepare for your trip.
While on vacation, you never know when or how disaster will strike. Travel insurance provides the peace of mind you need to fully enjoy your time away. Additionally, the potential return on investment is impressive—just a few dozen dollars spent while planning can save you thousands in the event of an emergency. On that note, travel insurance is rarely expensive. In fact, most plans are available for just an added few bucks each day. To get the best deal, divide your package cost by the number of days you are spending away. If the final number is between $2.50 and $4, you’re getting a good deal for reliable coverage—any higher or lower may indicate a scam.
There are several types of travel insurance: Cancellation/Interruption, Medical, Baggage, Flight, and Evacuation. Each is relatively self-explanatory: Cancellation/Interruption insurance is a comprehensive policy offering reimbursement if you need to cancel or end your trip early; Medical insurance covers potential hospital visits, ambulance rides, and emergency dental work; Baggage and Flight are often grouped together and work to protect you and your belongings in transit; Evacuation insurance allows for emergency medical evacuation—perfect for if you’re planning an extended backpacking trip or safari.
Ultimately, the choice to purchase travel insurance is a personal one. Most travelers don’t utilize the service unless its offered as an add-on for your flight. However, this is one part of your holiday planning you should not overlook. Your vacation is an investment; this insurance is a means of protecting that money. Travel is expensive, and accidents are bound to occur. Moreover, getting travel insurance may give you the confidence to seek aid when you might otherwise wait to get home. Hiking in Turkey and hurt your ankle? Travel insurance will allow you to visit a local hospital instead of waiting to get home to visit a doctor.
I am a lifelong explorer and travel enthusiast. I've never been a certified travel agent, but I have multiple family members who were. I'm not necessarily plugged in to the latest travel vendors and exclusive packages, and I've never cared for the label "life coach," but I do think I have some wisdom to offer about how people can get the most of your their vacation time.