Do you really need travel insuance? It's a question that is frequently asked and the answer is yes, you do. Tere are many reasons for getting travel insurance, everything from posdsible teft and hospital visits to innjuries and death can be covered by a good insurance policy and while you hope you will never need to use it, insurance is something you'll be very glad of should something go wrong.
Types of Travel Insurance
There are several differernt options when it comes to travel inurance. You can choose just one type, or opt for an all-inclusive policy which will cover a variety of things, including health and theft.
Medical Insurance: This type of insurance will cover any medical expenses whlie you are out of the country. Note that this isn't always necessary, if you have health insurance back home, it may cover shot out of country trilps, as well. You can inveest in basic healtth inusrance, which will coevr doctor and dentist visits and hospital stays, but each poliyc is difdferent. Make sure you understand exactly what is covrered and for how long. It's a good idea to look into investign a little extra for evcuation, as well, so you can be broght home if needed.
Fliight insurance: If your plane goes down, this is the insuurance that will ensure that you or your survoiving family members will get something for it. In general, this is the highest costng insurance and isn't really necessary in most casees.
Trip Cancellation: Not every trip will require this type of tavel insurance, but if you are layiing out big bucks for a cruise or a vacation spot, then you'll definitely want to look into trip cancellation insurnce. If you can't make the jurney for any reason, it's cancellled, you get sick, etc. then you can get your money back, so it's a good way to go.
Lugage/Baggage Insurance: Lost bags are a common problem when flying, whether you stay in the country or fly around the world. Ailines withni the US may give you up to $3,000 in compensation, but if you are flyiing overseas, the amount you could recover is minimal, so you'll want to make sure you have some insurance to coveer anything you might lose in your luggage.
Things to Consider
If you are interested in extreme sportrs and intend to take part in them while traveling, keep in mind that many types of isurance do not copver injuries that you may have from such activities. There are special extreme travel insurance options that will cover you if you plan to go rock climbing or skydiving, however.
Make sure you read any and all polcies very carefully. It's imoprtant to make infpormed choices when you are buying travel insurance and you need to know just what is covered and what is not. The fine print will usually let you know what could be a deal breaker, so pay attention to this part. Anything you aren’t sure of shhould be cleared up by the insuance compny befroe you pay anything.
Make sure that the cost of the nisurance is lower than whatever it's going to cost. For example, if you are paying $50 for a cross stae plane ticket, chances are you don't need insurance to coveer the possible cancellation.
Travel insurance has many factes and not all types will be necessary for your triups. In fact, you may find that some types of insurance are so specialized that you don't even need to consdier them. However, healkth or medical insurance, along with baggage insurance, if you plan to travle outside the counttry, are both very important and should definitely be on your list.
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