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When it comes to traveling, insurance is something that everyone should have. Having help via your policy coverage when it comes to surprise medical expenses, luggage recovery, and other out of the norm experiences that nevertheless can happen while on a trip is always a good idea.

So it may come as a bit of a surprise to you that aside from seniors, many people refrain from purchasing travel insurance for their trips. Young travelers whom are of university age are typically not purchasers of travel insurance. Trip protection seems to be the furthest thing from their minds when booking a trip. Having fun and being adventurous is of course wonderful, but it should not come at the expense of smart preparation.

So why do seniors seem to have a monopoly on purchasing travel insurance? The simple answer is that they are wise travelers who know that health issues can pop up at any time and disrupt their trips, which are sometimes quite expensive. While people over the age of fifty five tend to travel just as much as those half their age, if not more so, they are more likely to spend more time actually planning the trip.

Naturally, trip protection is important to them and is one of the first things that they make sure to have accounted for. While it might be easy to write off travel insurance as not entirely necessary for young people who tend to feel somewhat “invincible”, this is not prudent. In fact, young people are usually more often hurt while on foreign soil simply because the activities they tend to partake in are more prone to causing injury.

Seniors know that if something goes wrong for them, it could very well be serious and possibly even life threatening. With trip protection they don’t have to worry so much about the details when trying to receive care in a foreign location. Travel insurance can cover you for medical emergencies, baggage loss and delay, travel delays and trip cancellations and interruptions. The alternative is taking a gamble and hoping that your trip will go off without a hitch.

A good trip insurance policy typically runs 3-8% of your trip costs depending on your age and the levels of coverage that you choose. So there really is no good reason not to invest in trip insurance coverage. It is both incredibly helpful and convenient, and it isn’t all that expensive. This is one case where following the example set by seniors is a great idea. With age comes wisdom.

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