Without travel insurance you could be exposing yourself to financial risk and potentially lose thousands of dollars. This could lead to a disaster holiday, a holiday cut short or a real inconvenience. Here a few great reasons why you should purchase travel insurance for you and your family whilst going away on holiday.

Illness and Injury

The most common reason why people get travel insurance is due to medical emergencies. Anything can happen to you or your family whilst on vacation. Especially when in a new environment overseas, your immune system may not be used to the environment and may be more reciprocal to receiving viruses and bacteria. Or when travelling in a new environment some people are not aware of the dangers surrounding them and are more susceptible to getting into an accident. In some cases hospitals do not provide care, accommodation or consultation unless patients have insurance or cash up front. If you get into an accident, fall sick and your holiday is cancelled or cut short getting the right insurance will potentially cover you for all the money you paid for the holiday. It is important to ensure you and your family is covered to protect yourself in the case of a medical emergency or accident whilst away.

Lost and Delayed Luggage

Travelling is stressful enough yet alone worrying about whether your luggage will make it to the other end. Every year many airlines lose or mishandle people’s personal luggage. According to the Bureau of Transportation Statistics figures show that in the year of 2011 on average 3.39 mishandled baggage reports were filed per 1,000 passengersⁱ. In some cases you may not be able start your holiday without your personal goods or anything to wear. However when covered with the right travel insurance you can be reimbursed for the essential items needed if your luggage has been mishandled. Don’t let your luggage worries ruin your holiday. It is important to ensure your personal goods are covered in the case of delayed or loss luggage.

Weather Delay and Natural Disasters

After a long flight around the world you find your connecting plane has been cancelled until tomorrow due to bad weather and you have to stay overnight at the airport hotel, what’s worse you find out your airline does not cover your accommodation and your clothing is in transit.  In most cases airlines do not reimburse or cover any expenses due to weather causes, as it is not within their control. Natural disasters and bad weather occur frequently around the world and many holidays and airports are affected. Having the right travel insurance will cover you for delayed, cancelled flights and other expenses incurred due to weather and natural disaster causes.

If you’re not sure whether any of the following events are covered in your travel insurance check the terms and conditions of the policy. When on holiday you should be relaxing not worrying about falling sick, missing luggage or bad weather, travel insurance will cover you when unexpected things go wrong. Stay worry free, get travel insurance and protect yourself and your family on your next holiday.

ⁱ http://www.bts.gov/publications/national_transportation_statistics/html/table_01_65.html

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Travel insurance makes you feel a little bit more comfortable on your trip. Especially on long one. But did you ever read full fine print of your travel insurance? Doesn’t matter you are covered by your credit card insurance or you are buying separate coverage in either case find a minute and read it.

Latest events related with eruption of volcano in Island shows you should be very careful with choosing travel insurer as some companies were deeming the event an ”unforeseen act of God” and refusing to cover  expenses.  But that is one of reason people are buying insurance – to get some help when something unexpected happens. Why would I need travel insurance otherwise?

So very carefully read your travel insurance policy, all exceptions and may be it is worth to pay couple $ more and get proper coverage in stead of getting cheapest available travel insurance policy which doesn’t cover so much as you would expect.

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Strange question? What I am talking about when most people are looking for information what to do, what to pack before next trip? One of not to do things – don’t put too much information about you next trip – when, where, who – on social networks like Facebook, Twitter, Google+  and etc. I am not surprised about insurance companies move to charge more social network users.
Take a look into your friends list on Facebook and honestly tell how much of whose people you now well and would trust to give them key from your house or apartment? How much personal information – home address, phone numbers – did you put into your profile and which is available to anyone without any access restrictions? It may looks I am too paranoiac about privacy, but do you write your name, phone number and other details on walls in your city? No? Why not and why you do it on internet where your information is visible by millions of people?
Of course I am not encourage to close your accounts and sit silent. No. You can get so much useful information on Facebook or using Twitter, just don’t share too many details about your trip as you never know who can use provided information.

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