Why Do You Need A Good Travel Insurance

Whether it’s your trip, your possessions, your luggage, or your health, travel insurance — and most important, the right kind of travel insurance — has become an essential item to pack for smart travellers. And if you don’t buy travel insurance — or the right kind — more than your trip could be ruined.

Statistics show that the top three reasons for increasing trend in travel insurance purchases are: peace of mind, protection against the unexpected and concern over losing the financial investment in a trip.

While a majority of those who don’t buy travel insurance are familiar with flight and trip cancellation insurance, many people are unaware of travel health insurance, baggage coverage and medical evacuation insurance. There’s yet another kind of insurance that’s available to air travellers that the airlines aren’t exactly rushing to tell you about. In fact, they actually wish you didn’t know about it. It’s called excess valuation.

These are just a few scenarios why you need travel insurance :
1. Your flight has been cancelled.
2. Your bags are lost and your medication is in it. You need to have an emergency prescription filled.
3. Your passport and wallet are stolen, and you need emergency cash and a replacement passport.
4. You’re involved in an accident and adequate medical treatment is not available. You need medical evacuation.
5. You need to cancel your trip due to illness.
6. Your cruise line, airline or tour operator goes bankrupt. You need your non-refundable expenses covered and to get to your destination.
7. You have a medical emergency in a foreign country.
8. A terrorist incident occurs in the city where you’re planning to visit and you want to cancel your trip.
9. A hurricane forces you to evacuate your resort, hotel or cruise.

 

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