Travel insurance isn’t mandatory—but it can save you from major financial headaches when things go wrong. Here’s why you should seriously consider it:
1. Trip Cancellation or Interruption
Flight delays, sudden illnesses, or family emergencies can force you to cancel or cut short your trip. A policy can reimburse non-refundable costs like airfare, hotels, and tours.
2. Medical Emergencies Abroad
Even domestic vacations can result in unexpected accidents. If you’re traveling internationally or to remote areas, your regular health plan may not cover you. Travel insurance handles hospital bills, evacuations, and prescriptions.
3. Lost, Stolen, or Delayed Baggage
Replacing clothes and essentials on the road can be costly. Insurance can cover luggage replacement, urgent purchases, and shipping fees until your bags catch up.
4. Travel Delays
Weather events, mechanical issues, or strikes can leave you stranded. Compensation for meals, lodging, and alternative transportation can keep you comfortable.
5. Adventure and Sports Coverage
Planning activities like zip-lining, scuba diving, or skiing? Standard policies often exclude “risky” sports—so look for a plan that includes specific adventure coverage.
Bottom Line:
If your trip investment (flights, tours, gear) plus potential medical costs outweighs the price of a policy—get travel insurance. It’s a small cost for big peace of mind.
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