Why in the world would you buy Travel Insurance or Trip Insurance?

Top 8 reasons to buy travel insurance or trip insurance.

With 3.5 billion people each year traveling internationally, its all too common to hear stories of unforeseen incidents that disrupt perfectly planned itineraries. This can be a cancelled or delayed flight, uncooperative weather, lost luggage, accidents, or illness. These unexpected situations – generally out of ones control- can cause lengthy interruptions and create unbudgeted expenses, often ruining entire vacations.

Last year, nearly 800,000 flights were cancelled or delayed in the US alone – impacting 1 in 5 arrivals.

The purpose of travel insurance is that it travels with you and covers incidents related to your trip. Whether you think you are covered by your health insurance or credit card or even the airline here is why you need travel insurance.

Here are the top 8 reasons to buy trip insurance:

1. Lost luggage

Whether your luggage is lost, stolen or damaged it is a pain. Travel insurance makes it much less financially painful. It gets expensive to replace all the contents, including clothes, electronic devices and medication. Travel insurance could help cover much of the cost of these items. Again, if it is lost, stolen, or just damaged.

2. Someone gets sick or hurt

This might be the most common cause of ruined vacations. If you or a travel companion were to get sick right before your planned trip and you have to cancel, you could lose the full cost of the trip. This actually happened to me where an entire family trip to Europe had to be canceled because a family member was ill. Travel insurance covered it! Or if a medical emergency crops up during your trip and you need to come home early, in many cases there may be no reimbursement available. Who is going to reimburse you for that? That’s where travel insurance could come in handy.

3. Foreign hospitals

Your health insurance often doesn’t apply in foreign countries. Check your policy. If you get sick in a foreign country, and it happens people, you get stuck paying for an entire hospital stay out of pocket – unless you have the right travel coverage.

4. Emergency airlifts

If you need to be flown to a hospital or evacuated from a danger zone, helicopter transport could cost you thousands of dollars. Travel insurance or trip insurance may cover these types of costs.

5. Loss of a friend or family member

What if someone really close to you passes away just before your departure date. With trip cancellation coverage, you may be able to cancel or postpone your vacation in the event of a tragedy.

6. Early returns

If you have to fly home immediately and cancel the rest of your trip as in the case of a death in the family or illness of a traveling party, the airline could charge you for your flight changes – even for an emergency. Your hotel stay is lost. Travel insurance will help reimburse you those fees.

7. Damaged destinations

When a hurricane or winter storm closes the airport for days keeping you from reaching your destination it can cost you. You could lose the cost of the airfare, side trips to make flights, and even what you’ve paid for the resort. Buy a travel insurance policy when you book your trip. It may help you get reimbursed for these costs.

8. Your job gets in the way

Finally, Even though your trip has been on the work schedule for weeks or months. What happens when you land that big client or account and can’t leave? Been offered the job of your dreams that starts tomorrow morning? Trip insurance may be able to help if you have a cancel for a work-related reason.


If you’re planning a trip, now is the time to start thinking seriously about buying travel insurance.

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Here are some basic services that travel insurance provides:

  • Flight and hotel re-booking
  • Cancellation, interruption or delay coverage
  • Lost or delayed baggage coverage
  • Medical expense and evacuation coverage
  • Emergency assistance
  • Passport and ticket replacement
  • Translation services
  • Roadside assistance
  • Concierge services

A vacation isn’t as big an investment as your car or your home. But it’s still a lot of money. You purchase airfare and accommodations. Maybe excursions or other activities. Most of it paid for entirely in advance. Isn’t all this value worth insuring, in case some unforeseen problem threatens your travel plans? I don’t just think it can happen to me. But in today’s complex world, you can’t just assume that travel will go flawlessly.

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One Comment

  1. mihainicusor68

    This is a very well written article about travel insurance. I have had to cancel a trip and did not get reimbursed. I know I will consider next time I travel.

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