Any frequent traveller will tell you how important it is to ensure you are fully prepared for an upcoming trip, especially making sure you have taken out suitable travel insurance. Whether you’re travelling alone or with the family in tow, it’s better to be safe than sorry. Skipping taking out a policy can turn your dream break into a nightmare in an instant, so here are five reasons not to forgo travel insurance.
Imagine you’ve been planning your dream vacation for months and months. You’ve arranged your flights, the luxury hotel, your car rental and even have a plan of how you want to spend each day. But then it strikes – the horror of having to cancel your trip. Whether it’s you or a family member being brought down by illness, the thought of having to cancel your long awaited getaway can not only be upsetting but also extremely stressful.
Now imagine not having travel insurance. What do you do? Who do you contact? Will you lose your money? If you have travel insurance in place, you need not panic. While you’ve unfortunately lost out on the trip, you won’t be out of pocket. According to insurance broker Chill, however, you won’t be covered for cancelling your holiday due to business obligations or a change of mind so, as with all insurance policies, it’s important to read the small print.
While travelling we all hope we will remain fit, healthy and able to enjoy the trip to its fullest. Unfortunately though, all it takes is a broken toe or a bad case of an upset stomach to bring your time away to a halt. If you find yourself seeking out medical treatment while abroad, the bills can quickly add up. Making sure you are fully equipped with travel insurance while you’re away will guarantee that you won’t have to cover extensive medical bills yourself. You will find that most policies will cover you for any expenses that may mount up as a result of a visit to a doctor or hospital during your time away.
3) Lost or stolen possessions
The thought of misplacing possessions would send anyone into a cold sweat. While you might consider yourself to be super organised, no one can predict the unfortunate event of lost or stolen baggage. When travelling with children, you just can’t afford to go without clothes and toiletries, especially if you’re in an exciting yet unfamiliar foreign land. Some travel insurance companies will provide you with cover that will give you the opportunity to replace your missing items either while you’re still on your travels, or when you eventually return home. Most companies will even cover the cost of lost or stolen electrical items such as mobile phones and music devices.
4) Personal liability and legal expenses
Now this may seem a little serious, but if you’re involved in an accident and you cause damage to property or injure another person, you could be held liable. Seeking professional or legal help can be extremely costly, so it is important to find an insurance policy that will cover this. This may not be obviously stated, so make sure you always read the small print.
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5) Peace of mind
Even if you don’t end up having to use any part of your travel insurance policy while you’re away, knowing that you have it ‘just in case’ you need it is good enough. Spend your time away from home feeling relaxed in the knowledge that you’ve purchased a trustworthy travel insurance policy should anything go wrong.