Your friend who has always travelled without insurance will answer this question with a single word, ‘NO’.
The relatives who act smart will say, ‘Oh no dear! You don’t need an insurance. Just pack light with stuff you can afford losing’. Whereas the travel insurance agencies will come up with horrifying stories to get you to buy the insurance.
Considering these all answers, the last one is pretty true to a greater extent. Travel insurance agencies’ stories are based on facts and can save you from a lifetime regretful decision of not buying travel insurance.
Well, suppose you receive a Thomas Cook discount and use it to book your trip to Spain as you have always wanted to attend the San Fermin Fiestas Pamplona since your childhood.
You have already saved some money due to promotional code and decide to save more by skipping travel insurance. But this cleverness of yours turns out to be your life’s biggest regret because you get hit by the bull during Bull Running and end up lying in a hospital with a medical bill of thousands of dollars in your hand!
I guess this example has already answered the topic question, but those who still need some real insight to travel insurance, here are a few key points listed by www.offateverything.com that make insurance an essential feature of safe travelling:
- Medical coverage and emergency evacuations
During travel, if you don’t have an insurance, you will be liable for the cost of your medical bills. And let me tell you, in many countries, the treatment expenses for foreign visitors are quite expensive and can be unaffordable. Therefore, do get travel insurance that will cover your medical bills. Apart from medical coverage, insurance will also cover the expense of emergency medical evacuations as renting a plane or helicopter may empty your bank accounts!
- Trip cancellation
You never know what’s going to happen in future hence taking precautions is always beneficial. There are chances you might cancel the trip due to serious illness, the death of some relative or a family or work emergency. This sudden cancellation will result in money wastage because there will be no refunds. But worry not! This cost can be covered by getting a travel insurance right after booking your tickets.
- Luggage and personal belongings
Travelling can be quite exhaustive and after a long tiring flight, if your luggage is lost or damaged, you will simply lose control! Not having a travel insurance will make you liable for your stolen baggage and damaged personal belongings. Whereas a reliable travel insurance will cover this whole expense and you will not have to lose any money due to an airline blunder or thief’s wrongdoings.
- Personal liability
There is a possibility to be involved in causing an accidental damage or in a car accident while driving. Such a damage including the legal expense will also be covered by your travel insurance. On the other hand, if you will not have an insurance, apart from money fine, serious legal actions will also be taken against you.
Now tell, doesn’t travel insurance worth every cent? Of course, it does! Start travelling by getting a good travel insurance to make your journeys safer and less expensive!