For many travelers, travel insurance is something of an afterthought, the last thing to write down on your packing list somewhere between ‘antibacterial lotion’ and ‘backup hairdryer’. But there are plenty of reasons why ‘buy travel insurance’ for both medical coverage and trip cancellation shouldn’t just be on your packing list— it should be at the top of it. Here’s why:
If you’re ill or injured on the road, international medical care can be a crapshoot.
Depending on your condition and where you’re traveling, and especially in the developing world, health care facilities and treatments may not be sufficient for your needs.
If you need to be transferred elsewhere for treatment, this costs both money (often in the tens of thousands of dollars) and potentially, precious time.
Most travel insurance medical plans will cover your transfer expenses, with the international connections to make it happen quickly and efficiently.
If you’re injured in a remote location and require emergency evacuation, be prepared to celebrate your recovery—and then write a whopping check.
Depending on your condition and location, medevac services can start at $10,000- $20,000 domestically, and run wildly upward from there. International evacuations can cost $100,000 or more, according to Medjet Assist.
With travel insurance, you’re never traveling alone.
Many companies, such as Travel Guard, offer year-round, 24/7 international assistance. For those routine travel annoyances or even something more serious (say, you lose your passport, your baggage is stolen, or you miss a flight connection) there’s always someone there to talk you through next steps.
Life is unpredictable.
Trip cancellation insurance can help take the worry out of life’s unknowns. Unforeseen events—a sudden illness, a death in the family, or even a travel partner who cancels last-minute—might force you to change even the most well thought-out plans. Protect your investment and give yourself the piece of mind you deserve to enjoy all aspects of the travel process, come what may.