Do You Need Travel Insurance?

Travel insurance can often seem like a lot of hassle and paperwork. Booking a holiday is exciting, but can also be difficult when you are working with a budget. So the additional costs of travel insurance, just because something might go wrong, often gets pushed aside. The thought of something going wrong may seem so far out of reach as if it is something that would never happen to you.

You may look after yourself well while you are on holiday, but unfortunately, you never know when something could go wrong, and travel insurance might just be the lifeline you need. It is therefore important to understand what travel insurance is, and how it can benefit you, to help you make your final decision. 

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What is travel insurance?

Travel insurance provides you with a layer of protection if something on your holiday doesn’t go as planned. There is a range of different travel insurance policies out there, that can help protect you against a variety of different factors that may go wrong on a holiday, including:

  • Illness
  • Cancellation
  • Injury
  • Delayed departure
  • Missed transport
  • Damaged, stolen, or lost images 

If you experience any of these unfortunate events while away on holiday, you will have to cover all the costs yourself, including losing your entire holiday if you become ill, which could cost you thousands. If you have sufficient travel insurance, you can save yourself stress, and a lot of money.

Benefits of travel insurance

Here are some of the benefits of travel insurance that can help you significantly.

#1 Cancellation cover

Imagine how it would feel to have worked hard all year, and saved up for your annual break away in the sun, and you had to cancel it due to an unforeseen circumstance that was out of your control? It would be bad enough knowing you could not go, but how would you feel if you also lost all your hard-earned money? Travel insurance can help you to recover the costs of your holiday. 

#2 Personal possessions

Most travel insurance policies will provide cover for certain personal possessions such as the typical items you would carry in your luggage, for example, clothes, shoes, and jewellery, up to a certain value. A policy would cover the items if they have been lost, stolen or damaged.

#3 Medical expenses 

In the unfortunate event you or a person you are travelling with becomes ill or injured while you are on holiday, the most important thing is that urgent medical treatment is sought, without any barriers. Travel insurance can be particularly helpful, as it takes away the barrier of finances in this situation. Different countries have different rules and costs associated with medical care, and you don’t want to find yourself in a situation having to pay thousands in medical expenses. 

#4 Legal expenses

If you run into any problems while abroad that require legal assistance, for example, someone has hurt you, or you were involved in an accident that wasn’t your fault, you may find yourself in a lot of debt trying to argue the case. Travel insurance may cover you to obtain legal advice, and cover a certain threshold of costs.

Travel insurance is vital protection for anyone who may encounter legal problems while away from home. Motorcycle accidents are a leading cause of death and injury among travellers, and many of those involved in these accidents face high legal costs. If you are involved in a motorcycle accident while travelling, having travel insurance can help you recover some of these costs. Motorcycle Accident Attorney typically charge high fees, and if you cannot pay these fees, you may be forced to settle for less than you deserve. Travel insurance can help cover these costs, allowing you to focus on getting the best possible outcome for your case. In addition, travel insurance can also cover other legal expenses, such as the cost of hiring a private investigator. While no one likes to think about being involved in a legal dispute while travelling, having travel insurance can give you peace of mind knowing that you are protected if something happens.

Each travel insurance provider will have different offerings, so you must ensure your policy covers everything you want and need before you go on holiday.

Before you buy holiday insurance 

Make sure you follow these tips before you buy your holiday insurance.

Figure out what you need

You can get generic travel insurance policies, but it can be more beneficial to take a little time to figure out what you need and find one that ticks all the right boxes for you. For example, if you are going on a more adventurous holiday and will be participating in activities such as skiing, or watersports, then you are going to require cover for your equipment and medical expenses for those specific sports. You should also consider where you are travelling, as in some places, such as the United States, you may need higher medical cover. Any previous medical conditions should also be considered, as this will impact your cover.

Shop around

Before you buy holiday insurance, it is important you shop around to see what different providers are offering and which deals you can get on your insurance, such as those at, to ensure you are getting the best policy possible. 

Read the policy

As tempting as it can be, to just accept the terms and conditions, it is vital that you check the conditions of the policy to cover everything you need it to. For example, some policies don’t cover cruises or may need you to add on things like medical cover, which you won’t know unless you take time to read the policy. 

Travel insurance is an important part of your holiday.

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