If you’ve ever taken a vacation in your life, you’ve probably had someone talk your ear off about travel insurance. Not many people ever bother with it. But those that do swear by it. And it actually is much more beneficial than you may think. You can never know what may happen while traveling so it’s always best to be prepared for anything. Because the last thing you’d want to happen is for your whole trip to be ruined by one unavoidable issue. So read through this simple breakdown and find out everything you need to know about travel insurance.
First and foremost, we’ll start by saying that it is definitely not necessary for any and all vacations. It all depends on what kind of trip you’re taking. Officially, you can insure any trip that involves traveling at least 100 miles. so if you’re taking a short driving trip to visit family or friends within your state or a neighboring state, chances are you don’t need to bother. But once your trip involves a longer flight, travel insurance is probably worth it.
But there are a lot of misconceptions about travel insurance. It doesn’t cover any expenses that may come up during your trip. It will only insure payments that took place before your departure. So that means any shows or sporting event tickets, hotel expenses, pre-paid car rental, etc. can all be covered by travel insurance. But, if in the middle of your trip, you decided to catch a concert last minute, that expense cannot be covered by your travel insurance. Similarly, travel insurance cannot cover anything that is refundable, even if it was purchased before departing on your trip.
Also, it is very important to compare and contrast plans before picking one. There are many different options out there and some are just downright bad. Take your time and consider everything about your trip and your budget. Consider the ages of all parties involved, the location of the trip, and the length of the trip. And make sure the one you choose is comprehensive and includes things like emergency medical coverage and baggage protection.
Again, travel insurance isn’t always necessary, but it can be extremely helpful and can help ensure you have a safe and enjoyable travel experience. Because, at the end of the day, isn’t a vacation all about having fun?!