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Posts Tagged ‘Want’

Holidays are all about dreams and expecations. We don’t go on holiday expecting to get sick, have an accident, get our bags stolen, or worse. For most people, none of these things will ever happen, but think of the cost if any of those things did happen to you on holiday. Travel insurance is just that – insurance – for what will hopefully never happen, but if the worst does happen you know it will cover you. Think of travel insurance as a small price to pay for a stress-free holiday!

If anything, the risks, are increasing. Not only do we take more gadgets with us when we travel, but also many of us have older relatives at home. What if you have to cut short your holiday because Mum takes a bad fall? Travel insurance doesn’t just cover your medical costs, but also those circumstances when you would have to return home unexpectedly. Let’s not forget either that liability is also a big risk in many parts of the world, particularly North America. Injuring someone else, say in a car accident, can see you sued for millions of dollars.

It’s surprising, but many people travel overseas every year without travel insurance. A holiday is supposed to be a low stress, fun experience – why take the risk of travelling without adequate travel insurance? Why take the chance of financial ruin if you get hospitalised in the US for a few days?

So why do people hesitate to buy travel insurance cover? Expense is probably the number one reason. Travel insurance is seen as a yet another additional cost, but unlike single traveller hotel supplements and fuel surcharges, one that the traveller can say no to. But this is a false economy as the examples above show.

Sure, if your financial situation is such that you can afford thousands of dollars in medical expenses – or more in litigation – then you might not need travel insurance. For most people though, travel insurance is the only realistic way to travel worry free. Which is not to say you should just take the first travel insurance deal offered to you. Shop around, as often cheap online travel insurance is the easiest way to get the right travel insurance cover at the very best price.

Travel insurance has a bad reputation with some people, for not paying out on claims. To be confident you really are covered by your travel insurance, make sure you insure with a reputable travel insurer who has many years experience in the travel insurance business. You can also ask for the Insurer’s financial rating.

So, bottom line, get the right travel insurance for you and you’ll be able to enjoy a stress free holiday!