Do you need Travel Insurance?
Travel is expensive! One question I frequently get from clients when booking is whether optional expenses like travel insurance or travel protection are necessary. The answer is that it depends.
Here are some helpful use cases for when having travel insurance is especially beneficial:
If you are booking nonrefundable rates, you stand to lose a lot of money if you cancel the trip. To protect your investment, you'll want to look into a policy that will cover you in the event of trip cancellation. Booking travel to the Caribbean during hurricane season? I'd recommend cancellation coverage.
If you are traveling overseas and your health plan doesn't have global coverage. You may have very high out-of-network deductibles for care outside of the US; paying for a plan that includes international medical insurance can fill the gap in case anything happens while you're out of the country.
If you want an emergency backup or are going to a remote area without great medical facilities. Travel insurance offerings include medical evacuation coverage and 24/7 emergency helplines to give you peace of mind. This can be especially important if you're planning a trip that involves adventurous activities like diving, skiing, hiking, etc.
There are many types of travel insurance policies, most providers package together several valuable benefits:
Trip Cancellation or Travel Delay
Travel Medical Coverage
Emergency Medical Evacuation Coverage
Baggage and Personal Effects Coverage
24/7 Emergency Assistance
Let's discuss what travel insurance best meets your needs for your next trip. Wishing you safe travels!
