Is Travel Insurance really necessary?

Travel is a whole lot of fun!  And as we know, it can also be a little expensive!  Sometimes, travel insurance may seem like that one last item that tips we scales and we say no, it’s too much!

But firstly, what does it even cover?

Typically, you’ll be protected for:-

  • Loss of luggage and personal items, like cameras and phones
  • Disruptions to travel plans, like flight cancellations
  • Theft of your goods, and most importantly…
  • Medical expenses from injury or illness.

If you’ve never had the privelege of being sick in the USA, I hope you never are.  Medical teatment in some countries can cost a fortune if you don’t have travel insurance! According to the National Business Group, you may be out of pocket up to $1,000,000 for a heart attack!

But, it’s also Buyer Beware!  Usually, you won’t be covered for extreme sports, pre-existing medical conditions, acts of terrorism and some natural disasters, loss or theft of unattended baggage, travel to areas where there is an official travel warning issued, financial failure of a provider or pregnancy related issues after around 22 weeks.  If you’re likely to be affected by any of these, take care!

Top Tips!

Usually, you’ll find out the cost of the cover pretty quickly, but be sure to enquire about the excess applicable to any claims; what’s included and what’s not; dollar limits for your more expensivce items and total values covered; what proof you need at claim time and how to contact you’re provider if you’re overseas.

Be honest when completing the forms.  You don’t want your claim denied because you failed to mention a health condition!

Once you’ve purchased cover you’re happy with and stashed the details, pack light and enjoy the flight!  And if you’re a frequent traveller, ask about a coporate or annual travel insurance plan

I’d never leave home without it!

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