Travel insurance is designed to cover emergency medical expenses, such as sickness or injury, trip cancellation, lost luggage, flight accident and other losses incurred while you are traveling, either internationally or domestically.
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Is travel insurance just health insurance?No, it’s so much more than that. While there is a medical component for sudden illnesses and accidental injuries, it can also cover you for trip cancellation, trip interruptions, loss or theft of your gear, and emergency transportation should you need to get to the nearest hospital fast.
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Okay, but it’s like health insurance too, right? I can go see a doctor when I want?Travel insurance is not a replacement for health insurance and should not be treated as such. It’s there for unexpected emergencies. Break a leg? Pop an eardrum? Get food poisoning or dengue? Travel insurance has you covered.
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My credit card offers some protection. Isn’t that good enough?Credit cards, even the best, offer very limited protection. Some offer coverage for lost or stolen items, medical expenses, and trip cancellation if you booked your trip with the card, but they may not cover you being airlifted home.
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Who Uses Travel Insurance?Travelers who want to be protected during their trips and people who want to avoid unnecessary medical expenses purchase travel insurance. Travel insurance is important because it grants you peace of mind, and having a peace of mind is priceless.
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What Are the Risks of Not Being Insured?Traveling without adequate travel insurance poses significant risks and it is a huge gamble. Excessive hospital bills can leave you drowning in debt and you do not want that stress in your life.
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When Does Travel Insurance Coverage Begin?Your policy becomes effective the day after a policy is purchased.