Why Travel Insurance is Non-Negotiable
Travel insurance might seem like an unnecessary expense—until you need it. A single medical emergency abroad can cost tens of thousands of dollars. Here's everything you need to know about protecting yourself.
What Travel Insurance Covers
Medical Emergencies: Hospital stays, doctor visits, emergency evacuation, and repatriation. This is the most important coverage.
Trip Cancellation: Reimbursement if you need to cancel due to illness, family emergency, or other covered reasons.
Lost or Delayed Baggage: Compensation for lost items and money for essentials if your bags are delayed.
Travel Delays: Coverage for meals and accommodation if your flight is significantly delayed.
Personal Liability: Protection if you accidentally injure someone or damage property.
How to Choose the Right Policy
- Check your existing coverage: Your credit card or health insurance may already provide some travel coverage
- Consider your destination: Some countries have very expensive healthcare (USA, Switzerland)
- Think about your activities: Adventure sports often require additional coverage
- Read the fine print: Understand exclusions and claim procedures
- Compare multiple providers: Prices and coverage vary significantly
Common Exclusions to Watch For
- Pre-existing medical conditions
- Extreme sports and adventure activities
- Alcohol or drug-related incidents
- Travel to countries with government warnings
- Losses due to negligence
Tips for Making a Claim
Keep all receipts and documentation. Report incidents immediately. Take photos of damaged items. Get police reports for theft. Contact your insurer before seeking expensive treatment if possible.