Whether you need traveler’s insurance depends on various factors such as your destination, the duration of your trip, your health condition, and the level of risk you’re willing to tolerate. Here are some points to consider, but if you have additional questions you can reach out to one of our Enchanted Destinations travel experts.
Healthcare Coverage
If you’re traveling domestically within the United States and you already have comprehensive health insurance that covers you adequately in other regions of the country, you might not need traveler’s insurance specifically for medical purposes. However, if you’re traveling abroad, it’s highly advisable to have traveler’s insurance as your regular health insurance might not cover medical expenses incurred overseas. Keep in mind, the U.S. government does not provide insurance for U.S. citizens overseas. Medicare/Medicaid does not provide coverage outside of the United States.
Trip Cancellation/Interruption Insurance
Traveler’s insurance often covers trip cancellation or interruption due to unforeseen circumstances such as illness, natural disasters, or other emergencies. If you’ve invested a significant amount in your trip and want financial protection against unexpected cancellations, traveler’s insurance may be beneficial.
Lost or Delayed Baggage
If you’ve ever had your baggage lost on a trip – you will know the importance of this coverage! Some traveler’s insurance policies may include coverage for lost, stolen, or delayed baggage. If you’re carrying valuable items or if your trip involves multiple connections where the risk of baggage mishandling is higher, this coverage can be valuable.
Emergency Assistance
Many traveler’s insurance policies offer 24/7 emergency assistance services, which can be crucial if you encounter problems while traveling, especially in foreign countries where you might not be familiar with the local systems.
Adventure Activities
If your trip involves adventurous activities like skiing, scuba diving, or mountain climbing, you might need specialized coverage for such activities, which is often included in insurance policies.
The decision to purchase traveler’s insurance is always the traveler’s decision, and although certainly not mandatory, it can provide valuable peace of mind and financial protection in case of unexpected events during your travels. Our agents are intimately familiar with several travel insurance options and can offer you advice on the one that will suit your individual needs. Just another one of the benefits of using a travel advisor when booking your next vacation!