The Benefits of Travel Insurance
Travel insurance is usually an after thought when planning a trip. Our world has been turned upside down due to the Coronavirus and if you’re like me, you probably aren’t visiting your neighbors down the street, let alone imagining a sun-drenched vacation in Puerto Rico. However, someday soon, life will return to normal. We will vacation again!
But if the Coronavirus has taught us anything, it’s that plans can go wrong. That’s why travel insurance can be so important. Here are a couple of things I learned while looking around for the best travel insurance .
What Travel insurance covers
Travel insurance covers most unexpected things that might happen to you when you plan a trip. If you’re taking a trip, there is always the possibility that your trip might be cancelled due to a hurricane or any other natural disaster. Travel insurance can also cover any medical type of emergency that your health insurance company might not include in their policy.
Below are some coverage options to secure with the purchase of travel insurance.
Trip Cancellation Coverage:
This will cover your expenses if the trip is cancelled or delayed.
Medical Coverage:
Medical coverage will reimburse you for emergency care if necessary on your trip. If you get hurt, sick or need to go to the emergency room, travel insurance can help.
Replace Stolen or Lost Luggage:
It isn’t uncommon that your luggage is either stolen or lost when you go on a trip. You might leave a backpack or suitcase somewhere and come back to find it’s gone. The cost of replacing your suitcase and the items inside can get very expensive. Insurance can help with any the theft of any personal items when you are away.
Car Travel Insurance:
If you decide to rent a car and get in an accident (even if it isn’t your fault), the coverage that is included with most car rental companies isn’t enough. Even minor accidents can become costly and travel insurance can help pay the difference.
Coverage for the Family:
A lot of families decide to purchase coverage because it can protect everyone on the trip, including younger children who are traveling with you. With children, you never know what mischief they will get into or if they might get injured or sick. It’s a relief to have the coverage for that reason.
Medical Evacuation Insurance:
There are also different additions to your basic coverage that might be better for your particular trip. If you plan a rigorous hiking trip or even white water rafting, you might consider purchasing a Medevac plan. This is really for extreme sports and gives you the coverage you need in case something happens on a strenuous hike and you need emergency support.
There are many reasons to consider travel insurance. It can really help out if something unexpected happens from stolen items, emergency issues, or even natural disasters. It’s one of those things where you are purchasing travel insurance as more of a preventative measure. You might not need it, but if you do, you’ll be really happy you purchased a policy. I hope you’ve enjoyed this guest post from our friends over at ConsumersAdvocate.org. Check out their website from even more useful information!
About This Guest Post
“CosumersAdvocate.org is an organization that started in Seattle and is now based in Puerto Rico because of the island’s well-educated talent pool and warm climate. Their main focus is to provide helpful, honest, and accurate information through rigorous research and testing so you don’t have to. The company participates in the local community and proudly supports the island economy.
