In the past, travel was a luxury reserved for a few, but these days, anyone on a budget and good bargaining skills can roam the world for a pittance. The last thing that a traveler on a budget should ignore is travel insurance. It is as bad as failing to hire a personal injury lawyer until the last minute, only to be barred by the Statute of Limitations.
Why do you need travel insurance?
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Medical Expenses Pile Up
Seeking medical attention in any other country apart from yours can be one harrowing experience. In most cases, it is too expensive, and you may be forced to cut short your itinerary. It gets worse when there is an emergency, and they have to evacuate. Why take chances or spend your pocket money when you could simply take out insurance from home?
Cancellations Are Part Of Life
Nothing irks a traveler as much as canceled travel plans. You already have everything planned, but some work emergencies prevent you from leaning. Unfortunately, your flight is already booked and canceling at the last minute incurs heavy penalties. Without insurance, you will lose your money, but if you are covered, you will comfortably let that plan slide and make new plans that agree with your schedule.
Any seasoned traveler will admit to having lost baggage. You have a safari planned for the iconic Maasai Mara in Kenya to experience the great migration and them some overzealous staffer at the airport sends your bags to Singapore. Well, the wildebeests won’t wait, will they? Your insurance cover will help you replace the lost items and maybe send a stern warning to the airport authorities in how to handle baggage.
Lost Documents and Money
You haven’t had the longest day of your life until you lose your travel documents. What to do when you are in foreign land, and the authorities refuse to listen to your pleas? You will get replacements as long as you follow the right procedure, but the impediment is the cost (which may cause you to cancel the remainder of your trip). Travel insurance covers that so that you can carry on with the itinerary as though nothing happened.
As usual, the majority of us believe in luck. If it hasn’t happened to you, then chances are it never will. Well, luck runs out, and you don’t want to find that out the hard way. Get your cover already.