Why you need to buy trip insurance now

Why you need to buy trip insurance now

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Trip Insurance? The thing is that when you plan a trip, no one thinks that something might go wrong, but the reality is that everyone can suffer setbacks even on the most meticulously and organised vacation: cancelled flights, lost luggage, injuries, illness, booking problems, stolen belongings, among others.

That’s why instead of avoiding this reality, the best thing you can do is have a back-up plan. Travel insurance is a quick and effective way to protect you and your family, so you can relax and enjoy your well deserved vacations.

First you should know that most travel insurance is sold in packages, combining various categories of coverage. Therefore before making any decision, it is wise to go through them all, determining what you need and what you don’t, depending on where your vacation will be and how much time you will spend on your trip.

Most packages usually include:

  1. Full medical attention coverage.

  1. Emergency evacuation assist.

  1. Accidents, injuries or illness.

  1. Last-minute trip cancellation.

  1. Delayed or lost baggage insurance.

  1. Flight delay or cancellation insurance.

  1. Trip interruption coverage.

  1. Replacement of travel documents, belongings and money lost.

  1. Legal help or assistance.

  1. 24-hour customer service.

One common thought among people is that paying for travel insurance is a waste of money, especially after booking an expensive trip. That’s why we want to take this opportunity to explain all the benefits of safe traveling and talk about some of the misconceptions travellers have regarding insurances.

The following list sums the main misconceptions people have regarding travel insurance:

  • During my trip nothing bad will happen to me or my family: unfortunately nothing in this life is for sure, you never know what will happen during your vacation in Costa Rica. Therefore the best way to avoid any setbacks is to protect yourself from any anticipated problem by getting a travel insurance policy that will take care of you and your family.

  • Back at home I have insurance; therefore there is no need to spend more on additional policies: unless the insurance you have already purchased includes full coverage when traveling to other countries, your domestic insurance will be useless if anything happens during your trip.

  • I don’t need insurance, because I won’t be covered unless something really bad happens during my vacations: most travel insurance policies will cover travellers in case of illness or injuries. Also it can protect you if any problem occurs with your flight, hotel or luggage.

  • Travel insurance is not for me, just for people involved in doing adventure trips: while it is more likely that people seeking adventure sports will suffer an injury. The truth is that anyone could suffer an emergency during a trip. Therefore the best thing to do is to have travel insurance and avoid unnecessary risks.

  • In case of a medical emergency, the costs abroad are cheaper and I will be able to pay them: even if your vacation takes place in a country that has cheaper medical costs, the truth is that if you suffer an emergency, you and your family will receive the best treatment, because travel insurance guarantees quality medical service everywhere.

  • I can make all reservations now, but I will buy the travel insurance the day before I leave: the best option is to make reservations and buy insurance all together at the same time, because if you have to cancel your trip, you will probably lose the refund for the flight, hotel, etc.

Keep in mind that when done right, traveling does not have to be an unpleasant experience. The main idea is to take time for yourself, doing activities you can enjoy. In the end you will have fewer worries and more good memories. This is precisely what good travel insurance  policy offers, removing all the negativities that can ruin your trip to other countries.

With that in mind, here is a list of problems you may encounter before or during your trip, along with the solutions that travel insurance offers:

Problems that can happen

Solutions given by the insurance

A member of your family has an illness the day before the trip.

Refund all the money invested in the vacation.

You or a member of your family gets injured during the travel.

All medical expenses are arranged and covered.
While on your trip your wallet and documents got stolen. Assign the client with emergency money and assist them in replacing documents.

A hurricane forces an evacuation on the place you are staying.

Assist with new travel arrangements and reimburse money for the unused portion of your trip.

Your luggage is lost and your prescription medication was inside.

Help locating your luggage and getting a new prescription swiftly.

ski insurance

At this point, the importance of travel insurance is pretty obvious. Nevertheless, here are some of the reasons why everyone needs good traveller insurance:

  • Helps with the protection of the items you take on the trip. The main idea is that all your belongings are safe, so the ride is smooth and you don’t suffer any setbacks. Therefore good travel insurance will reimbursed clients, if they suffer a problem with the luggage.

  • If you experience any problem with your flight, travel insurance services offers the possibility to cover your stay in a hotel near to the airport or any other necessary expenses.

  • If a medical emergency presents itself, the travel insurance will collaborate with the transfer to a nearby hospital, as well as monitoring any inconvenience that may occur.

  • In case of cancellations, your travel insurance can reimburse part of the cost of your trip, to minimise your losses.

Beyond all the positive things we talk about travel insurance in this article, always keep in mind the most important thing: enjoy your travel without worries.

However, searching for the right travel insurance deal is as enjoyable as a doctor appointment. You just wish someone else would sort it out for you. At Ucompare.ie we do all the hard work of bringing the best travel insurance deals for you, so you can choose quality insurance at the best possible price.

Author: ucompare

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