Even the best-planned trips can be affected by the unexpected. But what can happen before or during your trip that travel insurance can help with? Unforeseen events can ruin your travel plans and cost you dearly.

If you’re wondering “Do I need travel insurance?” our list of the top five reasons to insure your trip might answer your question:

1. Bad weather and natural disasters

The weather is something you really have no control over and can cause travel delays or cause you to cancel your trip altogether. From blizzards to hurricanes, a travel insurance can cover you if bad weather or a natural disaster causes a covered event, such as a flight cancellation, to come between you and your trip.

2. Illness or injury before or during the trip

What happens if you or a traveling companion becomes ill or injured and cannot travel? Or if a non-travelling family member is hospitalized or dies and you cannot make the trip? Many travel insurance policies can help you in these situations.

If you have to cancel your trip because your child is ill and unable to travel, you can be reimbursed for prepaid, non-refundable travel expenses.

If you are injured during your trip, travel insurance can cover your medical expenses, including an ambulance ride. Many health insurance policies do not cover international travel.

If you can’t continue your trip due to the injury, some travel insurance can reimburse you for the part of the trip you missed and even help you get home.

3. What if you have to cancel your trip?

stressed man

One of the most common reasons people consider buying travel insurance is the stress of having to cancel their trip and losing the money they’ve already paid for. Life is unpredictable and it is impossible to know what may happen between planning a trip and leaving. If you think you’re spending more on your vacation than you can afford to lose, consider getting travel insurance with cancellation cover.

4. Trip Delays or Interruptions

Almost 20% of flights were delayed in 2022 and there were more than 53,000 canceled flights. Flight delays, flight cancellations, stolen passport, traffic accident, natural disaster and many other unforeseen events can delay or completely interrupt your trip. Travel insurance can cover you in many of these situations so you can focus on taking care of your needs during such an inconvenience and not worry too much about what it might cost.

Going on holiday by car? Then one car insurance also very sensible to take out, since you are also insured in other countries.

5. Lost, Stolen or Delayed Baggage

rigid travel case

In 2015, 23.1 million bags were lost, delayed or damaged by airlines and lost bags took an average of 1.76 days to be returned to their owner. With travel insurance, you can obtain compensation in the event of loss, theft or damage to luggage or personal items. You will also be reimbursed for the purchase of necessary items while your baggage is delayed.