We all want to save as much money as possible when planning a holiday abroad. However, there are some things you can’t afford not to buy. Travel insurance is as integral to your holiday as your passport, and we’re here to provide you with 10 reasons why you must buy it before you book a well-earned break.
1. Medical Assistance
The main reason you need to buy travel insurance is for medical protection. Accidents are unpredictable and can happen at any point in a trip. You won’t know they’re going to happen until they actually happen – so you must have cover in place should the worst happen.
We Brits are fortunate enough to have the NHS to provide free medical treatment should we be the victim of an accident or injury. However, most other countries do not offer the same medical services. If you haven’t any travel insurance in place, you will be forced to pay for your healthcare from your own pocket – and you can trust that treatment will not be cheap.
Travel insurance will provide medical cover should you require medical treatment, so you won’t be landed with a hefty bill – which could potentially leave you stranded in the country until you pay the fee.
2. Cancellation Protection
Life is what happens when you’re busy making plans, as they say – which is why you really must book travel insurance, which will reimburse you should you be forced to cancel a trip due to illness, unforeseen work obligations or a family death. If you have travel insurance in place by the time you book the holiday, you could receive a refund, so you won’t have to lose a penny on the cancelled trip.
3. Compensation Cover
We don’t mean to be morbid, but you could suffer a significant or fatal injury whilst on holiday. While no-one likes to think the worst, a fatal or serious accident abroad can provide a compensation to either you or your family.
4. Financial Help
You’ve saved up for months to gather your holiday spends together and what happens? You lose them. Well, travel insurance will mean you’re not out of pocket should you lose your cash abroad or if it’s stolen. So, your holiday won’t be ruined.
5. Replacement Documents
One of the worst things that can happen abroad is that you lose a passport or your travel tickets – because you’re bound to wonder how you’re going to get home. What’s worse is that you’ll have to shell out money to pay for the replacement documents so you can make your way home. Well, that is unless you have travel insurance, because they’ll pay the fee.
6. Peace of Mind
The chances are you might not even need to use your travel insurance – but isn’t it good to know you have cover in place should the worst happen? You won’t have to worry about accident, injury or lost items when abroad, and can simply enjoy your holiday.
7. Missed Flight Connection Coverage
So, your flight is booked but traffic delays have resulted in you missing your flight. That’s where your travel insurance can help – because all you’ll have to do is ring your travel insurance provider to arrange and pay for you to hop onto the next flight.
8. Natural Disaster Protection
You paid for a summer holiday abroad – not to be in the midst of a hurricane. Your accommodation is destroyed and you have probably endured one of the worst holiday experiences of your life. What do you do next? You contact the travel insurance company who can arrange a holiday at a new location, that’s what!
10. Delayed or Lost Baggage
There is nothing more annoying than delayed or lost baggage. Your travel insurance company can help recover your lost baggage, and can even reimburse you for the essential items you’ve had to pay out for to start your trip. If your baggage is gone forever, the insurance can also pay out for new clothes and personal items, and you can even be reimbursed for the cost of your suitcase.
11. Travel Supplier Cover
You’re about to jet off on holiday and the airline or hotel enters bankruptcy. Well, just can recover the money lost for your holiday, so you can book a flight or stay with a different provider.
Ensure you shop about for travel insurance – and take a look at the terms and conditions, as different policies will cover different travel issues.