Facts about Travel Insurance: What It Is and Who Should Get It?

When you plan a trip, you might be wonder, “Should I buy travel insurance? Is it worth the cost?”

Here’s your answer: Everyone should buy travel insurance. Every day people go on trips that are affected by unfortunate events, so it’s best to always be prepared. However, some travelers - as a result of their lack of interest in or knowledge of travel insurance - don't even realise what it is and what kind of protection it provides.

I've put together this guide to get you all the facts you need.

 

What Is Travel Insurance?

Travel insurance is a type of insurance in which people are offered protection while traveling. Such plans include trip cancellations or interruptions due to illness, weather, or any other conflicts, such as jury duty - as well as lost luggage and medical coverage. Travelers with insurance will be reimbursed if any issues arise before or during their trip.

You’ll be thankful you have it if a family member gets sick right before a trip, and you need to cancel, or if you get injured during a physical activity at a resort. 

Types of Travel Insurance

There are several types of travel insurance plans available:

  • Trip Cancellation and Interruption
  • Travel Medical
  • Baggage Delay
  • Accidental Death and Dismemberment
  • Medical Evacuation
  • Flight Delay or Cancellation
  • The Cancel for Any Reason

Policies tend to vary in regards to domestic and international coverage, as well as coverage for single or multiple trips. Further, every plan doesn’t offer the same exact benefits, so it’s best to do your research to see which plan offers you the best combination of benefits for each trip you go on.

 

Who Should Buy Travel Insurance?

 

It doesn’t matter if you’re going on a business trip, a family holiday with the kids, grand-kids, or just by yourself. Everyone should buy travel insurance because unforeseen events could take place.

Many travelers have to deal with unexpected events both before and during a trip. Why take the chance of not being prepared, especially when other people who have done the same are happy they did?

Purchase your travel insurance as soon as you have booked your trip to ensure you are covered pre-trip as well as during.

Be ensured with insurance

It’s best to purchase travel insurance from a travel insurance provider rather than a cruise line or holiday company.

However, travel insurance providers do not offer the same exact coverage plans. This is where your research needs comes into play. The first thing you have to do is find a great travel insurance provider. Journeys a leading travel insurance provider for over 29 years and one of my preferred partners - offers a host of comprehensive travel insurance policies to suit nearly every kind of traveler.  Their great no fuss comprehensive travel insurance means you’ll only pay for the days you need, and you’ll get many extras you’d usually only expect from a far more expensive policy! For example, free cover for children on family policies, golf, cruise, business cover and car hire excess waiver on deluxe policies. Additionally, you’ll have the huge benefit of our 24-hour emergency helpline on any of our policies.

 

Some benefits for travelers using Journeys include:

  • FREE COVID -19 insurance
  • FREE Kids cover on family policies
  • 25% Discount for Couples
  • 45 days per trip for Annual policy
  • Optional Cruise plus cover
  • Optional Golf cover includes Hole-in-one
  • Optional Rental vehicle excess waiver

My customers will never have to worry about what they would have to do if any travel mishaps occur before or during a trip as a result of Journeys. 

 

Travel Insurance Is Always a Must

Travel insurance is extremely important to look into before going on a trip. Many people never consider investing in travel insurance, whether that is because they do not think it is necessary or worth the money, but compared to how much money they are spending on a trip, spending a few more pounds for extra peace-of-mind is always the way to go.

Every day people go on trips that are affected by unfortunate events, so it’s best to always be prepared. However, some travelers—as a result of their lack of interest in or knowledge of travel insurance—don't even realize what it is and what kind of protection it provides.


Posted: 5 November, 2020 | By Kelly Ball