If you and your family are ready to book a vacation, you may want to think about whether or not you need to buy travel insurance. Many travel agents will tell you that you should always have travel insurance, just in case, to make sure you can get your money back for all those hotel reservations, plane tickets, and travel tours, but you may be wondering if you really need it.
There are a lot of things that could go wrong on a trip that would make insurance a must. Some of them might be about you, like a disease that makes it hard for you to travel. Some things may be completely out of your hands, like an airline going out of business and leaving you at the airport with no flight. If you have travel insurance, you can get your money back if something goes wrong. Travel insurance is probably worth its weight in gold to anyone who has ever been in a situation like this.
What if something bad happens while you are on the road? If you get hurt while you're in a foreign country, it's possible that your health insurance won't cover the costs. If you have travel insurance, it will cover the cost of any medical care you need, no matter where you are.
No one wants to think about what would happen if there was another terrorist attack. After 9-11, many people started to think twice about going to countries where terrorism had happened or where terrorism was likely to happen often. Unless you have travel insurance, the airlines don't have to give you any of your money back if you decide not to fly because of violence in the area.
There are a lot of other reasons why a flight might be cancelled. There are many things that can stop you from going on a flight that you paid for, like bad weather or a strike by the airline. If a flight is cancelled and not rescheduled, the airline might not give a refund. Travel insurance will help you get your money back if your flight doesn't take off for any reason.
Nothing is worse than getting to your destination and finding that your luggage didn't make it. The bag will sometimes turn up. Sometimes, it's gone forever. Travel insurance can make this loss less painful by covering the things in your suitcase so that you can buy new ones.
If you've decided that travel insurance is what you need, do some research before you buy. Not all travel insurance plans are the same, so you should look at what several companies have to offer before choosing one. Also, if you travel often, you might want to think about getting a long-term travel insurance policy.
