As a frequent traveler, I never take a trip without travel insurance. In 2019 I planned the ultimate African Safari trip with a follow-on Beach Safari. Then COVID canceled my trip, but thankfully I had travel insurance.  Whether it’s a long-distance trip or a local trip, I always choose travel insurance as you never know what the future holds, and here are five of the many reasons why it’s advisable.

1. Your trip can get canceled for a variety of reasons. Most often, they’re unplanned, and travel insurance helps to protect the investment you have made in your travel plans.  Travel insurance, depending on the plan, can cover flight costs and hotel costs. Just be sure to choose wisely.

2. Having worked as an international flight attendant for over twenty years, I am very aware that vacations don’t always go as planned. There were many times when travelers returned due to medical reasons.  Most insurance does not cover incidences out of the country, but travel insurance can.  When you consider the cost of medical care in another country regarding compared to the cost of travel insurance, it becomes an easy choice.

3. Not only can medical issues arise, but trips and plans are often interrupted, and travelers may have to return home due to an unforeseen emergency.   When considering the cost of airline rebooking, travel insurance is a much more cost-effective solution in many cases.

4. Lost or missing luggage can also become an expensive travel experience.  Considering that travelers often plan and shop before their trips, the cost of replacing luggage items is often much more than what airlines allow.  Travel insurance plans can help to make sure your unfortunate luggage loss is more manageable.

5. The cost of travel insurance compared to unforeseen travel circumstances often far outweigh the value of not having insurance. Trip delays, cancellations, hotel, and car rental issues are just a few of travel realities. I find it best to be prepared than unprepared, and travel insurance certainly helps.

As always, I encourage you to do your research on travel insurance; every situation and plan is different. Here is a great article that discusses the benefits of travel insurance in much more detail. Have you had any unfortunate travel experiences, and was insurance helpful? Let me know.