“Travel is only glamorous in retrospect.”

Traveler insurance is the first thing you need to buy before heading out for a trip. It should hold a top priority in your travel checklists like your passport, wallet, and other items. I feel most of the travelers aren’t even aware of the benefits of travel insurance.

If you have never bought travel insurance, I know, what goes in your mind.

You think it’s expensive and a waste of money. Sometimes you get confused about it (Yeah, I know it isn’t very clear and talked about), and choose not to care. 

But no matter where you go, you may face an emergency, and you should be prepared for that. Shouldn’t you? 

You may ask, “Do I really need travel insurance even if I travel within my country?” Yes, have it wherever you travel.

Most people invest in travel insurance only when they travel overseas and ignore it when they travel inbound. But it’s very important to have domestic travel coverage, which will save you from financial crises and medical emergencies. 

You will never realize what a savior it is until you use it.

I will not bore you by telling you the technical terms of it. But it’s essential to know every aspect of it. What is it? How should you choose a plan and get it? How does it work? What it covers? How to claim it? What doesn’t it cover? You should know all these details before getting insurance. (I’ll talk about it in a different article).

Here I’m going to tell you why you need travel insurance and how it will be your friend in need. Now, let’s dive in and see what are the benefits of travel insurance.

10 Benefits of Travel Insurance to help you Travel Happily  

1. You’re covered for any loss of your possessions. 

In travel insurance, you will definitely look for this coverage, and you should. It provides coverage against any loss or damage to your items during your trip.

You can get robbed, get caught up in a fire accident, and lose all your things, you may lose your wallet. Anything could happen. This unexpected event will ruin your trip and also burn your pocket.

But if you have baggage protection coverage handy, you could at least save your money. It’s good to have this protection when you carry expensive laptops and cameras on your trip. It also covers your lost and damaged luggage on your flight.

2. It covers your medical expenses during the travel.

 These days’ medical care and bills are so expensive to pay. Isn’t it?

A quick visit to a clinic is too high to pay. So, you undoubtedly know the importance of having medical insurance, and you probably have it at home. But that is not sufficient when you’re traveling overseas.

Medical bills are insanely high in many countries that will take a sizeable chunk of money from your pocket. Medical insurance covers your:-

• All sorts of medical bills.
• Prescribed drugs and medicine cost.
• Your emergency room cost.
• Ambulance charges.

 So be wise and get yourself an excellent medical insurance plan on your trip. 

Disclaimer: Remember that this insurance doesn’t pay for your regular health checkup, injuries caused because of adventurous sports like skydiving, bungee jumping, etc. or if you’re harmed because of alcohol and drugs.

3. You’ll get 24×7 support worldwide.

Your plan will come with connected customer service all over your trip.

They will help you out if you get stuck in any emergencies, this can be,

• Finding the nearest hospital in an unknown land.
• They’ll help you make your emergency cash transfer.
• Finding your lost documents (Passport, ID card).
• They’ll assist you on how to claim your insurance.

It’s their responsibility to help you whenever you need, no matter where you’re in the world. They’ll make sure the process is smooth for you. So, you’ll have a friend to help you out, even if you’re on a solo trip.

👉 Read: 10 Reasons to kick start your solo traveling Journey

4. Sudden cancelations and changes in the plan.

 Imagine this; you booked a lovely romantic hotel suite to surprise your partner on Valentine’s Day. Unfortunately, your partner got sick, so you can’t go. But the room cost alone was $600, and it’s non-refundable. Now you have two options; either go to that hotel suite alone or let go of this $600. Neither of these two ideas seems cheerful.

If you’ve got travel coverage, you’ll have a third option too: reimbursement. Claim it and save your money.

Most travel insurance has trip cancellation coverage; it covers 100% cost of tour cancellation because of sudden illness, weather, natural calamities, unexpected death, or a family member or friend’s accident.

5. Moving you out safely during emergencies.

There’re many possibilities where you can get stuck on your trip. From taking you to a hospital when you’re injured to evacuating you to your home country when you’re ill, they’ll be there for you.

Emergencies will visit you differently, with varying severity levels. Be it a mild storm hitting with a warning or a severe mount climbing accident, and you need someone to get out of this situation in an unknown land.

You’d never know the usefulness of an emergency evacuation plan until you’re in such a situation.

6. Accidental death and severe injury.

Talking about death, accidents, and life insurance is uncomfortable, and no one likes it, including me. But it’s crucial, and you should not avoid it. Just think about it this way, “What if something happens?” The least you can do to your family is to insure yourself. 

Even if you have life insurance back at home, that will not help when you travel. The insurance company will pay a considerable amount of money to the beneficiary if an accident leads to death in a period. This applies if the person loses or breaks a part of their body in that accident.

As said before, they will not pay you for the accidents because of any stunts performed, or when you’re drunk, it should be purely unintentional.

7. It provides financial backing.

When you’re roaming around in a foreign land, you can get pickpocketed. A foreigner, or a tourist, is an easy target for the pickpocketers. Despite being careful and alert all the time, this stuff happens.

Losing your wallet and cards in a foreign country is one of the worst things that could happen. Travel insurance with financial emergency cash coverage is your knight in shining armor at this time. Just contact your insurance company customer service, and they’ll transfer you some money according to your plan.

👉 Read: Best Travel Gifts for your friends who have got itchy feet

8. Sometimes it’s a must-have!

Now, I hope you would have convinced yourself to get insurance for yourself. But, in countries like France, Italy, Germany, etc., it’s mandatory to have travel insurance before entering there.

If you won’t have it, you have to either buy insurance there in a hurry or leave the country. This doesn’t seem like a pleasant scenario.

To avoid this kind of circumstance, I suggest you get a travel coverage plan beforehand. So you can save your hard-earned money and your time, also you can choose a plan that works best for you. 

9. It will secure your trip.

You travel for many reasons; it differs from person-to-person. Be it you want to escape your daily routine life for a couple of days, or you’re craving for a fresh change and exploring, it’s your call.

But an external factor, stopping you from going on your trip is a nightmare.

Having travel insurance will protect you from many hindrances that could ruin your trip. I’m not guaranteeing that it will foresee and prevent you from all the accidents on your journey.

The Travel insurance company will lend their hand whenever you need help and save you.

10. You’ll travel stress free.

Traveling is something that needs to be enjoyed. It should be exciting, not anxious, and you should not sit with a notebook and track your money loss.

You should not get stuck in a place getting no help. These will turn your holiday into a real mess, and there’s a possibility you will hate travels from that point.

👉 Read: Top Travel Companies In India To Help Travelers Have A Smooth, Safe Trip

But travel coverage will give you a sense of security throughout your trip. You need not worry if you want to stay for a little longer and need to cancel a flight, or if you lose your wallet, passport, or any expensive device, your travel insurance will act like a pro.

Think smart, make an informed decision, and enjoy your holidays stress free.

Bonus Tips and Tricks

• No matter where you travel, have travel coverage, and take the benefits of travel insurance. It doesn’t cost much.
• Plan before, know your needs, and for what you need coverage, everyone is different. So, analyze your needs and choose a plan according to you.
• Keep track of all your bills, receipts, and tickets. Claiming insurance is hard. So be prepared.
• If it’s your first time, I suggest you talk with someone who already has claimed the benefits of travel insurance. Their advice will help you more than travel companies because today we have many options to choose from.
• If you own a credit card, check the insurance options on it and the limits.
• Get annual plan coverage if you travel a lot and global coverage if you travel the world. 

Conclusion 

I hope these benefits of travel insurance will compel you to have travel insurance on your next trip.

Nobody can assure, “I’ve planned a perfect trip, and nothing will happen.” Yup, reality hits you hard. Spending a certain amount of money for your travel insurance to help you in your hard time is a smart investment. 

Getting a travel plan and traveling with it doesn’t take away all the dangerous possibilities. It doesn’t guarantee that you’re secure. But it provides a feeling that you’re safe. As humans, we need that. 

And you will enjoy your trip without thinking about anything if you have the right travel insurance.

Hope you travel safely, and if something unfortunate happens, claim the benefits of travel insurance.

Happy Traveling!