Travel insurance is not a fun topic to read about. Reading policies, comparing coverage, combing over the fine print – it’s the least sexy aspect of planning a trip.
Personally, I never leave home without travel insurance. In this post, I’ll explain why. I’ll also arm you with the tips and information you need to pick a travel insurance plan for your next trip so you can travel with confidence, save money, and make the most out of your next adventure.
Why Do You Need Travel Insurance?
As an added expense, travel insurance is something budget travellers are wary of. After all, why should you pay hundreds of dollars (or more) for something you might not even use?
Indeed, it’s a question I get asked a lot.
“Do I actually need travel insurance? Chances are nothing will happen, so why should I even bother?”
While it’s a fair question, I can tell you from experience that travellers who don’t buy travel insurance instantly regret that decision the minute something goes wrong.
And, just like at home, things can go wrong while you’re travelling.
Lost luggage, delayed flights, broken bones, natural disasters – I’ve seen it all. I’ve even been mugged while travelling.
And while it’s not fun to think about things going wrong as you plan your dream getaway, it’s important to be realistic.
Travel insurance is a safety net that protects you in an emergency. While unexpected incidents are rare, they happen to travellers more often that you think.
In 2022 alone, over 20% of flights were delayed and hundreds of thousands of flights were cancelled. While seemingly minor compared to, say, a broken limb, delayed and cancelled flights can mean missed connections, missed tours and excursions, and ruined vacations.
In addition to countless delayed and cancelled flights, I’ve relied on my travel insurance to help me when my luggage was lost, when my brand-new camera was broken in Italy, and when I needed medical attention. Maybe I’m a bit unlucky, but this has happened several times over the years, including when I popped my eardrum in Thailand.
Each and every time, travel insurance was there to help me navigate the situation, and to ensure I was compensated for my expenses.
Lost or stolen gear can cost thousands of dollars to replace. Medical emergencies can cost tens of thousands in hospital bills,…
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