Do you buy travel insurance when you fly? If you do not, you should. Whether you are flying domestically or internationally, travel insurance can come in handy for many reasons. Here are the top four reasons you should invest in travel insurance each time you fly.
Your Trip is Canceled
A trip cancellation can occur for many reasons such as:
- a death in the family
- illness or injury
- bad weather grounds your flight
- your destination is hit by a tornado, earthquake, flood or other natural disaster
- you have a home emergency such as a flood or fire
Regardless of the reason for the cancellation of your trip, travel insurance allows you to recoup the money you have invested in your trip, provided the cancellation reason is covered under your policy. Without insurance, you have no way to recover your costs.
You Missed Your Flight
If you miss your initial flight or a connecting flight, travel insurance will cover your fees that airlines are not required to cover or refuse to cover. Missed connection coverage typically covers flight delays, bad weather delays, and delays to your initial flight caused by traffic accidents. It is important to note, however, that this type of coverage only applies if you are taking a tour or headed out on a cruise.
Emergency Medical Care
You may not realize it, but your health insurance will not cover you if you are injured in a foreign country. Having travel insurance with emergency medical care ensures that if you are injured or become ill, your medical expenses will be covered. Without this coverage, you will be required to pay for all treatment out of pocket.
A Terror Attack Occurs
Unfortunately, we live in an era where terror attacks occur all too frequently. It is quite possible that a terror attack could occur at your intended destination. This may cause airports and venues to close, leaving you unable to go on your trip.
Even worse, a terror attack could occur while on your trip, and a mandatory evacuation might be issued forcing you to leave before your trip is over. Terrorism coverage will ensure that your travel expenses can be recouped.
It is important to note that every travel policy has different coverage levels and reimbursement amounts. Discuss your options with an insurance agent thoroughly before selecting your policy.