Traveling to new places can be an exciting and enriching experience. Exploring new cultures, cuisines, and customs can broaden one’s perspective and leave one with unforgettable memories. However, along with the excitement come risks and uncertainties that can dampen the experience. This is where travel insurance comes in. While most travelers might dismiss it as an unnecessary expense, those planning a trip for 90 days or more should seriously consider buying travel insurance. Here’s why:
Extended trips carry prolonged risks
While traveling always exposes one to a certain degree of risk, long-term travel carries a higher risk of illnesses, injuries, and cancellations. Extended trips often involve multiple destinations, long journeys, and outdoor activities like hiking, biking, and water sports that increase the likelihood of accidents and injuries. Additionally, the longer one travels, the higher the chances of contracting illnesses such as malaria, dengue fever, or food poisoning.
Travel insurance covers medical emergencies abroad
Healthcare abroad can be expensive, and in some countries, medical facilities may not meet the standards one is used to. In case of a medical emergency, a traveler might find themselves in a difficult financial situation. Travel insurance covers medical expenses and repatriation in case of an injury or illness while traveling. It ensures that the traveler receives the necessary medical treatment, and if necessary, can be transported to their home country.
Trip cancellation or interruption
Extended trips often require significant investments both in terms of money and time. One might have to prepay for accommodations, flights, tours, and activities that are non-refundable. What if one gets sick, injured, or their trip is canceled or interrupted by unexpected events such as natural disasters, political instability, or strikes? Travel insurance provides coverage for canceling or interrupting the trip due to unforeseen events, saving the traveler from a potential financial loss.
Lost or delayed baggage
The chances of losing luggage or having it delayed are higher on extended trips. In such cases, travel insurance provides coverage for the necessary items one may need while waiting for the luggage, or compensation if the luggage is lost. This relieves the traveler of any undue distress, especially if the lost or delayed baggage includes important items like medications or travel documents.
Buying travel insurance is a small price to pay
Considering the potential risks and uncertainties that one may face while traveling for 90 days or more, buying travel insurance is a small price to pay. It offers peace of mind and protects the traveler from potential financial losses. When choosing a policy, it’s important to carefully read and understand the coverage and exclusions, and select one that suits the individual’s needs and budget.
In conclusion, while travel insurance is not mandatory, it’s highly recommended, especially for those planning extended trips. It offers coverage for medical emergencies, trip cancellation or interruption, lost or delayed baggage, and many other unforeseen situations that might arise during travel. A little investment in travel insurance can go a long way in making one’s trip a pleasant and hassle-free experience.
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