Strong and solid Travel Insurance is one of the most important requirements of any type of travel. And if you’re leaning toward a more enjoyable yet safe trip, we discuss in this post the top 14 reasons why you shouldn’t skimp on solid travel insurance.
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Top Reasons Why You Should Not Skimp on Getting a Travel Insurance
1. Emergency Medical Evacuation
If you become seriously ill or injured and need to be evacuated to a hospital, the cost can be exorbitant, especially if you’re in a remote area. For example, if you’re hiking in a remote area and suffer a heart attack, you may need to be airlifted to a hospital, which can cost tens of thousands of dollars. Getting proper insurance will give you peace of mind knowing that you’ll be covered for these unexpected expenses.
2. Pre-existing Medical Conditions
If you have a pre-existing medical condition, such as diabetes or heart disease, travel insurance can provide coverage for unexpected medical emergencies related to that condition. For example, if you have diabetes and need to be hospitalized while on a trip, your insurance can cover the cost of your medical treatment.
3. Personal Liability
Travel insurance can also provide coverage for personal liability, such as if you accidentally damage someone’s property or cause injury to another person. For example, if you accidentally break a valuable item in a hotel room, insurance can cover the cost of the item.
4. Natural Disasters
Travel insurance can provide coverage for natural disasters, such as hurricanes or earthquakes, which can disrupt travel plans and cause financial losses. For example, if you’re on a cruise and a hurricane forces the ship to change course, travel insurance can cover the cost of your additional expenses.
5. Terrorism
In the unfortunate event of a terrorist attack, travel insurance can provide coverage for medical treatment, evacuation, and trip cancellation. For example, if you’re in a city that experiences a terrorist attack and you need to be evacuated, insurance can cover the cost of your evacuation.
6. Rental Car Coverage
Many travel insurance policies also include rental car coverage, which can protect you from unexpected expenses related to rental car accidents or theft. For example, if you’re in a car accident while driving a rental car, insurance can cover the cost of any damages or injuries.
7. Trip Delay
In addition to flight delays or cancellations, travel insurance can also provide coverage for delays related to other forms of transportation, such as trains or buses. For example, if your train is delayed and you miss a connecting flight, travel insurance can cover the cost of your new flight
8. Medical Emergencies
If you get sick or injured while traveling, medical treatment can be very expensive, especially if you require hospitalization or emergency medical evacuation. For example, if you were hiking in a remote area and broke your leg, you may need to be airlifted to a hospital for treatment, which can cost tens of thousands of dollars. With travel insurance, you can have peace of mind knowing that you’ll be covered for these unexpected expenses.
9. Trip Cancellation or Interruption
Unexpected events such as illness, injury, or a death in the family can force you to cancel or interrupt your trip. In this case, you could lose your prepaid expenses such as flights, hotels, and tours, which can add up to a significant financial loss. For example, if you’ve booked a week-long vacation and your flight is canceled due to bad weather, you may be forced to cancel your entire trip. With travel insurance, you can be reimbursed for these prepaid expenses.
10. Lost or Stolen Luggage
Losing your luggage or having it stolen can be a frustrating and stressful experience, especially if you’re traveling with valuable items. With travel insurance, you can be reimbursed for the cost of replacing lost or stolen luggage, as well as the items inside. For example, if your luggage is lost during a flight and your camera, laptop, and other valuables are inside, travel insurance can cover the cost of replacing these items.
11. Flight Delays or Cancellations
Flight delays or cancellations can be a major inconvenience, especially if you have connecting flights or a tight schedule. With travel insurance, you can be reimbursed for additional expenses such as hotel accommodations, meals, and transportation if your flight is delayed or canceled. For example, if your flight is canceled due to a strike and you need to stay in a hotel for an extra night, travel insurance can cover the cost of your accommodations.
12. Travel Assistance Services
Many travel insurance policies offer travel assistance services, such as 24/7 access to emergency assistance and travel advice. For example, if you get sick while traveling and need help finding a doctor, you can call the travel assistance hotline for help.
13. Adventure Activities
If you plan on participating in adventure activities such as skiing, bungee jumping, or scuba diving, travel insurance can provide coverage for injuries or accidents that may occur. For example, if you break your leg while skiing and need to be airlifted to a hospital, travel insurance can cover the cost of your medical treatment and evacuation.
14. Peace of Mind
Finally, travel insurance provides peace of mind knowing that you are protected against unexpected events that could otherwise ruin your trip or cause financial hardship. By having travel insurance, you can enjoy your trip with the knowledge that you’re prepared for the unexpected.
How Safetywing Helps With These Travel Needs
Regarding Medical Emergencies
SafetyWing offers comprehensive medical coverage, which includes emergency medical treatment, hospitalization, and medical evacuation. They provide coverage for both new and pre-existing medical conditions, which makes them a good choice for travelers with existing health issues. SafetyWing also offers telemedicine services, which allow you to consult with a doctor remotely if you’re unable to see a local doctor. In the event of a medical emergency, SafetyWing can arrange and cover the cost of medical evacuation to the nearest suitable medical facility.
Regarding Trip Cancellation or Interruption
SafetyWing offers trip interruption and cancellation coverage for unexpected events such as illness, injury, or death of a family member. They can reimburse you for prepaid expenses such as flights, hotels, and tours. If your trip is interrupted due to an unexpected event, SafetyWing can cover the cost of your new travel arrangements to get you back on track.
Regarding Lost or Stolen Luggage
If your luggage is lost or stolen, SafetyWing can cover the cost of replacing the lost items, including valuables such as cameras or laptops. They offer coverage for up to $3,000 per person per trip, with a $500 per item limit.
For Flight Delays or Cancellations
If your flight is delayed or canceled, SafetyWing can cover the cost of additional expenses such as hotel accommodations, meals, and transportation. They offer coverage for up to $100 per day for a maximum of two days.
For Travel Assistance Services
SafetyWing offers 24/7 customer support, which includes emergency assistance and travel advice. They can help you find medical care, provide translation services, or even arrange for a visit from a family member in the event of an emergency.
Regarding Adventure Activities
If you plan on participating in adventure activities, such as skiing or snowboarding, SafetyWing can provide coverage for injuries or accidents that may occur. They offer coverage for up to $10,000 per person per trip for adventure sports.
For Peace of Mind
Finally, SafetyWing provides peace of mind knowing that you’re covered for unexpected events that could otherwise ruin your trip or cause financial hardship. SafetyWing’s insurance plans are flexible and affordable, which makes them a good choice for travelers who need coverage for longer-term trips.
Overall, SafetyWing can be a good choice for travelers who need comprehensive medical coverage, as well as coverage for unexpected events such as trip interruption or lost luggage. Safetywing’s insurance plans are flexible and affordable, which makes them a good option for travelers who are on a budget but still want solid insurance to cover their travel needs.
Our Final Thoughts on Safetywing
We trust Safetywing and have used it several times for our own travel insurance needs, especially as it gives kids free insurance per parent that has paid coverage. Learn more on Safetywing below and no matter what insurance you choose, we hope you stay well on all your trips!