When going on holiday, many people feel that they don’t need travel insurance, and many just simply forget! However, having travel insurance is incredibly important and not having this in place can ruin a holiday with expensive emergency medical bills. Here, we are taking you through our top ten reasons why travel insurance is an absolute must for anyone going on holiday.
Be Prepared for a Medical Emergency
When you are traveling abroad, you won’t be covered should you experience a medical event that requires you to be hospitalized or visiting a doctor. Travel insurance will cover you against this type of eventuality, and it will give you the peace of mind that you need as no one wants to be in a situation where they don’t go to a doctor and end up making a medical situation worse.
You’ll Be Covered Everywhere
As long as you have the correct travel insurance in place, no matter if you are in a country that is covered or on that single trip, you will be covered should you have a medical emergency. This is especially important if you are going to be visiting a country that is a little remote. Single trip travel insurance will completely cover you for a specific trip or holiday and it also covers if you are going to be visiting multiple countries.
We all know that dental pain can be excruciating and, for example, if you are involved in a fall on holiday, you may end up needing dental work carried out too. Under a travel insurance policy, you can make sure that this is also covered during your holiday.
Cancellations and Rescheduled Flights
There is nothing worth than getting excited about your holiday, only to get to the airport and find out that your flight has either been canceled or rescheduled. This can cause havoc with your travel plans, especially if you had planned on getting connecting flights. Having travel insurance in place will ensure that you are not left out of pocket.
Protect Frequent Flyer Points
Did you know that you can lose your frequent flyer points if you pay for part of your flight with them and the flight is canceled? Some travel insurance providers will compensate you for the value lost on any frequent flyer points. However, not all providers will do so, if you are a frequent flyer, it may be worth having a scout around to find an appropriate travel insurance package.
Enjoy Your Holiday Stress-Free
No one wants to think that they could have a medical emergency when on their holidays, but it really could happen to anyone. Many people buy melatonin UK to fix their disrupted circadian rhythm after traveling to a country with a different time zone. Having travel insurance means that you can enjoy your holiday with peace of mind that you are protected.
Stolen or Lost Luggage
Having your luggage lost or stolen is actually a lot more common than you may think and this can be a huge cost to replace everything inside it. Travel insurance will be able to reimburse you for many expenses including clothes, technology and documents such as passports.
Enjoyable Car Hire
Hiring a car on holiday? This can often be quite expensive and not all travel insurance pages will offer to cover the costs of hiring a car in the place. However, an add-on that is becoming an increasingly more important feature is to do with care hire excess. With certain packages, or as an add-on feature, some providers will reduce your car hire excess in order to help you avoid the unexpected hidden overpriced charges that many car rental companies will make you liable to pay. Travel insurers that offer this service will give you some beneficial coverage should you, unfortunately, be involved in an accident and encounter a significant financial expense.
If you are traveling as a family, you can purchase travel insurance that will cover the whole family. The perk of covering the entire family is that should something happen to one person then requiring that holiday should need to be canceled, everyone will be covered. With individual policies, the same benefit would not applicable, you will not be covered for other people canceling or for another person’s medical emergency.
Peace of Mind
Travelling can be unpredictable, and you could end up in a situation where you are legally responsible for someone else’s injury or damage to their property. Travel insurance will be able to cover you up to the specified amount on your plan.