Reasons why you cannot travel without insurance
You may think that you are fully packed and ready for your next trip but unfortunately you are not. Step back and take a look at what you missed amidst all the hype and excitement of the trip.
Unfortunately, many avid and first-time travelers underestimate the value of travel insurance. You will always see travelers justify their decision by claiming that it is just an easily avoidable extra travel cost when there are so many of them.
Simply put, if you think you can’t afford travel insurance, you’re not ready to travel. There are various benefits to buying travel insurance. Let’s explore what general coverage travel insurances are.
1. Evacuation and medical emergencies
Even when you consider yourself perfectly fit to travel, adversity can always form part of your journey. As it can be very challenging at times, it is best to be prepared for any such circumstances. Unfortunately, you may have an accident. Since medical treatment is not always available, you will need to coordinate medical evacuation. This can often turn into a nightmare if you are in a foreign land where everything seems foreign. When you buy travel insurance, you don’t have to worry about that. Standard cover covers emergency evacuation, emergency dental care, and medical expenses.
They, too, usually fall into the pack, despite being unwelcome guests. Life can get very unpredictable at times. You may have happily planned your trip in a month’s time. It may seem that everything is going well. However, imagine that you are mortally ill or that a close relative has passed away. Since you have no choice but to cancel the trip, it would be miserable to suffer any financial losses. Your travel insurance program will cover this and reduce your suffering in the best way possible.
3. Personal belongings
In today’s world, the sad fact remains that many of us care more about our personal belonging than we do about our health. This is why buying travel insurance can seem so attractive to travelers. With insurance, you won’t have to worry so much the next time your luggage is delayed or misplaced. Imagine that you lose your handbag on a tour of a popular location and lose your insulin and prescriptions with it. Since you need immediate access to it, insurance providers will help you with your immediate requirements.
4. Personal responsibility
We are all prone to making endless mistakes, especially when we least expect to do so. In this case, third parties can wreak a lot of havoc for the injuries or losses they cause. If you accidentally cause damage to a person or their property, your travel insurance will help you bear this loss at your place.
This is often the most complex clause in insurance and needs to be understood in depth before agreeing to any such procedure.
So the next time you think your plans are going to be amazing, take some time to imagine some situations.
What would happen if you were having the time of your life on a beach vacation when a hurricane suddenly came and you had to evacuate as soon as possible?
What will you do the next time your wallet and passport are stolen on a foreign trip? Or even worse, your airline goes bankrupt. Since expenses are non-refundable, where will you get help?