Travel insurance helps protect you from unexpected encounters or problems during your trip. If you get sick, or miss a flight, or even lose your luggage, travel insurance can cover the costs incurred from these incidents. Many travelers think they do not need it, but these sort of accidents can happen anytime.
What Does Travel Insurance Cover?
Different travel insurance plans offer different types of coverage. Here are the most common ones:
- Medical emergencies: If you get sick or injured, the insurance covers hospital bills and treatment costs, which could potentially save you tons.
- Trip cancellations: If you need to cancel your trip due to an emergency, you can get a refund, so your hard-earned money still ends up coming back to you.
- Lost or stolen belongings: If your bags go missing, insurance helps cover the cost of your items. While losing your belongings is unfortunate, at least you receive compensation.
- Flight delays: If your flight is delayed for hours, you may get compensation for food and hotel stays, increasing the comfort of your delays.
- Emergency evacuation: If a natural disaster or accident occurs, insurance helps you get home safely, saving you from all the anxiety and stress trying to find you way home.
How Much Does Travel Insurance Cost?
The price of travel insurance depends on the length of your trip, your destination, and your coverage level. It also depends on the insurance provider you decide to go with. On average, it costs about 4-10% of your total trip cost. Therefore, a short trip will have lower costs, while a long trip with full coverage will be more expensive.
Is Travel Insurance Really Necessary?
Some travelers believe insurance is a total waste of money. However, medical treatment abroad can be very pricey. If you have no insurance, you must pay for everything out of your own pocket. Travel insurance is just a small price to pay for peace of mind.
How to Choose the Right Travel Insurance?
Here are some tips to find the best travel insurance:
- Check coverage options: Make sure it includes medical expenses, trip cancellations, and lost belongings.
- Compare prices: Different companies offer different rates, so check multiple providers and make your decision wisely.
- Read customer reviews: Find out what other travelers say about their experiences, then make your choice based on your judgement.
- Understand the policy: Some insurance plans have exclusions, so read the terms carefully.
- Consider your needs: If you are traveling for adventure sports, make sure your policy covers risky activities.
Where to Buy Travel Insurance?
You can buy travel insurance from different providers:
- Travel agencies: Many agencies offer insurance when you book a trip. A trustworthy travel agency will handle your travel insurance, so you don’t have to worry about it. We at JustChinaTours, also fully handle your travel insurance, so you do not need to search on your own, and we make sure that it is value for money.
- Online providers: Websites allow you to compare and purchase policies easily.
- Credit card companies: Some credit cards provide travel insurance as a benefit.
- Airlines: Some airlines offer insurance as an add-on when you book your flight.
Travel insurance is definitely not a scam. It is a smart investment that provides you with protections on all aspects from unexpected occurrence. These unexpected problems that can arise includes medical bills, lost luggage, or flight cancellations which can cost from a few hundred to a whooping thousands of dollars or even hundreds of thousands of dollars. With insurance, you can travel with confidence. So, before your next trip, make sure you have the right coverage. It is always better to be safe than sorry!
