You might think that you don't need travel insurance because you've planned your trip so well. Your plan would have told you when to get on the plane, where to stay, and when to come back. But what if you have to change your plan and come back early? What if you had an accident or got sick, something you weren't ready for? You would have to pay for all the medical costs that your health insurance doesn't cover. This is when you might be glad you had travel insurance. You should get travel insurance to protect the money you spent on your trip.
Different kinds of travel insurance are:
Most companies that sell travel insurance offer the same packages, which include basic travel insurance and full travel insurance. There are a few general types of travel insurance, but the coverage and limits will be different depending on the insurance company. Here are some of the most common:
The most common and most important type of travel insurance is for trip cancellation. If your trip gets cancelled because of something out of your control, you don't have to worry about losing your money or not getting your money back on your tickets because this type of insurance will cover all of these non-refundable payments or deposits.
Trip Delay: This type of insurance is also very helpful if your travel plans change. For example, if you need to catch a connecting flight but find that it has been cancelled or delayed for a few hours, what do you do? You go home on the next flight. You shouldn't worry about the extra money you spent on the ticket. If you have trip delay insurance, you will get your money back in this case.
Trip Interrupted: If something happens on your trip that you didn't expect, you don't have to pay for the lost vacation. If you have trip interruption insurance, you will get your money back.
Loss or Delay of Baggage or Personal Effects: This is another common type of insurance. It will pay for your losses if your luggage gets lost, is delayed, or gets damaged.
Loss of Travel Documents: If you have this kind of insurance, you won't have to worry if your passport gets stolen or lost. Staying in a foreign country without your password would be a problem, but with this insurance, you won't have to run around looking for emergency cash to get it replaced.
Accident/Sickness Medical Expenses: If you get sick anywhere on your trip, you don't have to worry about the extra cost. The cost will be covered by this insurance.
Medical Evacuation/Emergency Transportation: If you have a medical emergency while travelling, this insurance will pay for things like getting you to the hospital.
Supplier Default: If a travel supplier goes out of business, this insurance will cover any payments or deposits that you lose.
Get travel insurance the next time you plan a trip to make sure you stay safe and have peace of mind.
