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Travel insurance is becoming a much more common part of travel planning. In the past, travel insurance was confusing, it was unclear what was covered and what was not, and the price made it difficult to determine if it was worth the investment. As the world changes, so has travel insurance, and more travelers than ever are now purchasing this protection.
Trip cancellation protection is the most discussed benefit of travel insurance. Whether because of a problem on the traveler’s end, such as illness, or on the destination’s such as weather or terrorism, the money spent on the cancelled trip is reimbursed for covered reasons under the policy. Determining if travel insurance is beneficial depends on the type of trip planned. For a cheap flight and low end accommodations for a long weekend, travel insurance probably doesn’t make sense. A week-long vacation, involving travel and accommodations, particularly with numerous people included, make travel insurance more of a priority.
Travelers can also get medical coverage as part of their travel insurance coverage. Individuals traveling from the United States to another country may be surprised to find that their medical insurance doesn’t provide the same coverage as it does in the United States.
The traveler should contact their medical insurance provider and determine what type of health coverage they will have at their destination, and plan for travel insurance to supplement that coverage. Some things to consider are that medical insurance may only cover emergency room treatment, and treatment options in some areas may be substandard. In these cases, a medical evacuation may become necessary. Medical evacuations are rarely covered by primary medical insurance, but are available through travel insurance companies.
Travel protection also provides benefits such as reimbursement for lost luggage, prescriptions, and cash. If forced to evacuate during the trip, travel insurance can cover the cost of accommodations. It is important to discuss your needs with the travel insurance agency and read the fine print on any and all documents.
Purchasing travel insurance provides peace of mind, protects travelers from unexpected loss, and eases concerns over losing the financial investment in a trip. In today’s uncertain world, purchasing travel insurance is one way to make things more predictable.