When planning a trip, it’s natural to focus on the fun stuff—dream destinations, exciting activities, and must-try restaurants. But what about the unexpected? Flight delays, lost luggage, sudden illness, or other mishaps can throw a wrench in your plans. That’s where travel insurance comes in, offering peace of mind and financial protection when things go wrong.
What can travel insurance cover?
Beyond the basics like delayed flights, lost luggage, and illness, travel insurance can safeguard you in unique scenarios, such as:
- A destination wedding canceled by the couple? Covered!
- A sudden surgery scheduled during your trip? No problem, you’re covered.
- A new job requiring you to start immediately? You’re good to go!
Every plan is different, so it's essential to understand the details of your coverage.
Common reasons travelers skip travel insurance
We get it—travel insurance isn’t the most exciting part of trip planning. Here’s what we often hear and how we respond:
- "I have insurance through my credit card or work."
That’s a great start, but make sure to check the specifics. When it comes to credit card travel insurance, it isn’t always comprehensive. Credit card insurance may have limited coverage, such as only covering trip interruptions but not cancellations. While others may only cover the first seven days of your 14-day trip. Additionally, be sure to look into the medical coverage as many credit cards have an age restriction. Work-provided travel insurance varies widely, so confirm it includes essentials like trip cancellation or emergency family illnesses.
- "I don’t need it."
As travel agents, we often hear from clients after they’ve booked when something goes wrong. It’s the nature of the job! While we always do our best to provide the best service, sometimes things are outside of our control. This is where travel insurance can step in.
Many clients have told us having travel insurance provides them with peace of mind knowing they have support in a time of need. In other instances, clients have also been thankful for the unique perks such as while on a trip, having a doctor make a house call when they were too ill to leave their hotel room (Note: this service is only available on certain travel insurance plans and in specific locations).
- "It’s too expensive."
Travel insurance might feel like an extra expense, but it’s an invaluable investment in protecting your trip and peace of mind. Much like car or home insurance, it’s designed to safeguard you against unexpected events.
For example:
Emergency Situations: If a loved one passes away and you need to return home urgently, travel insurance can cover the costs of changing your travel plans.
Medical Emergencies: Medical expenses abroad can cost thousands of dollars. Travel insurance ensures you’re not left with a financial burden if you fall ill or have an accident while away.
Your hard-earned vacation deserves to be worry-free. Travel insurance provides that security, so you can focus on making memories instead of handling unexpected costs.
As one of our agents says, “If you don’t use it, it means your trip went perfectly!”
Ready to protect your next adventure?
