Planning a trip abroad can be thrilling and life affirming. Falling ill, falling down or falling subject to bad weather while in the exotic lands of your dreams is often not a consideration when preparing every detail of your vacation.
Travel insurance is a literal life saver. It can bring you peace of mind and lessen the worry of financial risk of losing your vacation investment due to weather, accidents or other unforeseen circumstances that are covered by your policy.
Designed to cover you when things go wrong through no true fault of your own, travel insurance can protect your property, your plans and health. Trip protection can step in and shield you from many happenings, such as a lost bag, to the larger unknowns, such as a last minute trip cancellation due to a family emergency.
If you are on the fence of whether travel protection is right for you, consider that one in six travelers have said that their plans were crushed by severe weather, a medical emergency or some other unexpected event, according to the United States Travel Insurance Association.
Ask yourself if you can afford to lose all or part of your vacation budget if you fall ill or a storm causes a shut down of an airport you expected to fly into, or out of, while overseas
Most trip protection providers offer a 24-hour assistance line to help when new accommodations need to quickly be found due to bad weather. The companies also offer a direct line to locate doctors in your travel area that come recommended and usually includes assistance with any language barriers that may exist. Travel insurance also provides a 24-hour contact to support you in alerting family members around the globe of any emergency that has arisen or a change in departure or arrival dates that may impact them as well.
The trend is growing, with more than 148 million travelers putting in for travel insurance as part of their vacation preparation, reports the USTIA (via research conducted in 2013). Of those, more than 94% of travelers said that trip cancellation or interruption was the main reason for their travel insurance purchase.
Instituting insurance into your travel plans offers relief if you are incapacitated in some way while far away from home. Having a plan in place can also expedite your return home and in good health.