To Buy Travel Insurance or Not?

23 Feb


Deciding to buy travel insurance is something that people may struggle with when they are getting ready to pay for a big trip. It’s an additional cost to add to the already pricey flight. Some may ask if it’s worth the extra expense or not. I’d like to offer the reasons I believe traveler’s insurance is essential, especially when traveling abroad.

As I usually do before I make a big purchase, I ask around for opinions regarding what other people have done in their travels. It wasn’t long before the few people I talked to strongly encouraged me I wouldn’t regret purchasing travel insurance. There is something to be said about buying the insurance and having peace of mind before you even leave for your trip. Many different things can come up between the time you purchase your tickets to the time you’ve arrived to your planned destination.

There are many reasons you could need the insurance, such as the chance of getting sick before the trip, having a canceled flight, lost luggage, or god forbid you need to visit a hospital wherever you’re traveling and the list goes on. Travel insurance is designed to help cover those costs and won’t leave you traveling vulnerably. After all, purchasing traveler’s insurance isn’t very expensive when you think how much money it could save you in the long run. In some cases, traveler’s insurance pays up to $250,000 in medical expenses. Here are a couple of useful things to know before you book your trip.

  1. Most often when booking travel online there will be an opportunity to add on travel insurance at the time you enter your payment information, so you don’t have to necessarily go out and buy it from another company (unless the coverage isn’t great).
  2. Some credit card companies offer travel insurance if the entire trip is purchased on their credit card. Call your Credit Card Company and find out – could save you some money. (I know Capital One and American Express offer it)
  3. Know what the insurance will cover! Like anything, some are better than others. It’s important to have this information in the event you will actually need to use it.
  4. Not all health insurance companies will pay for medical expenses abroad, so understand what’s covered and what’s not if you are thinking of not purchasing the insurance.

If you are not given the opportunity to buy traveler’s insurance when you book your travel, you can click here to learn how to buy good travel insurance.

Thank you for reading my blog. If you’ve had to use travel insurance on a previous trip, please tell me about it by leaving a comment. Interested in hearing more about travel? Subscribe to my blog and follow me on Twitter @lindseyagrellas




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