The destination is chosen. Check. Flight booked. Check. Hotel or vacation home? Booked and check. But before booking and then arriving at your final destination, consider the unknowns. Viruses to broken bones to medical complications. Delayed flights. Lost luggage. Consider the next step in booking your vacation, and ask yourself is “Should I Get Travel Insurance?” And the answer is yes, but to help you feel confident about your decisions, read on for our tips for the best travel insurance.
This post may contain affiliate links, and Traveling In Heels may receive a small commission if you click on the link and purchase. Thank you for your support.
Tips for the Best Travel Insurance
Table of Contents
Traveling – regardless of how far or at what age – is a life-changing experience that is likely to change the way you look at things. However, before setting off on the ultimate adventurous journey through new countries and exciting cultures, you should buy your travel insurance. Read on for tips for purchasing the best travel insurance for you!
What Is Travel Insurance?
Maybe you’ve never used travel insurance before, or you’ve just purchased a plan, but scrolling through the policy is like trying to read a foreign language. So what exactly IS travel insurance?
In a nutshell, like auto, home, or even health insurance, travel insurance is a plan that protects you from certain financial risks and losses that can occur while traveling. These losses can be minor, like a delayed suitcase, or significant, like last-minute trip cancellation or a medical emergency overseas. In addition to financial coverage, travel insurance also offers insured access to assistance services. While benefits vary according to the plan, the peace of mind offered is more often than not worth the price.
Why Do I Need Travel Insurance?
With so many unknowns when traveling from viruses to broken bones to major medical complications, an annual travel insurance policy isn’t just for jet-setters or even business travelers. It’s for families too, and perhaps most importantly!
Not doing so creates additional risks for you and your family and can end up costing a lot of money, especially if something happens while you are abroad! Of course, you should pick the policy that best fits your needs, but there are some considerations you should not overlook!
What Countries Does Your Travel Insurance Cover?
Some not-so-expert travelers might assume that all destinations are covered in the insurance you have picked. This is not always the case, and it might not be a suitable choice for multi-country trips and travels. The price of insurance can depend on where you are from, how long you are traveling, and which countries you will be visiting.
If you are from Europe, for example, visiting specific destinations such as the United States, Canada, and the Caribbean can increase your policy’s price. Many factors contribute to an increase in price. However, this often relates to the cost of medical care in those countries. If you are unsure, read the policy and get in touch with your insurer.
What Does Travel Insurance Cover?
The reason behind the endless number of different policy types on the market is that they don’t all work in the same way. Some will cover some emergencies, while others won’t. For example, one of the questions you should ask before committing to a specific policy is whether you will be getting 24-hour support. When dealing with sudden illness or accidents, you might not be able to wait for them to ring your back later!
Additionally, you should check that the policy covers emergencies, conflicts while abroad, and medical care. In the case of injuries, you should not only make sure that your travel insurance will take care of it, but you should also always keep the number of a professional at hand.
Experts such as Rosenfeld injury lawyers can help you navigate the procedures in a moment when you need help the most.
Does Travel Insurance Cover Electronics?
Undoubtedly, the most important thing that your travel insurance policy should cover is the cost of medical care – in case you need it. However, electronics represent one of the most significant assets we bring with us on our travels, and we often rely on most of them.
Stolen electronics can lead to a substantial loss for most families, especially if you had brought your laptop and phones with you. Some areas of the world might involve a higher risk of damages and loss, but you should always ensure that your electronics are covered.
Financial Protection In Case of Cancellations
It is not as unlikely as you think that the company you had books your flights, hotel, or tours with goes bankrupt as are just setting off on your trip. Ensuring that such cancellations or accidents are covered offer you peace of mind you would not achieve in other ways. And you can enjoy your holiday without having to worry about losing money!
