Depending on your personal feelings about insurance in general, you might be someone who either loves the idea of having a safety net or dislike the thought of spending money on something that you may not even end up using. Despite these feelings, you likely at least have insurance for things like your home, your car, and for medical purposes. One thing you might want to consider getting insurance for is when you travel. So if you’ve heard about travel insurance before but have never used it, or if you can’t imagine a situation why you’d need it, here are three reasons or circumstances in which you should consider getting travel insurance.
Peace Of Mind
For smaller, less expensive trips, you may not even worry about bothering with travel insurance. But if you’re someone who often worries about things or if you like to have an extra layer of security for yourself while on your trip, you may want to get travel insurance for your own peace of mind. According to Jeff Reeves, a contributor to USA Today, it’s hard to put a price on your own peace of mind. So if you think having travel insurance will help you to feel better about what you’re spending on your trip, about the reservations you’ve made, or about the places you’re planning to visit, travel insurance might be a good idea for you.
You’re Going International
If you’re planning to stay within your own country, travel insurance might not make a lot of sense for you. Oftentimes, you can find ways to get refunds for things, find medical professionals that accept your insurance, or fiddle with your travel plans so that you can work things out when they’re within your own country. But if you’re going to be visiting a different country, especially one that’s particularly far away or expensive for you to get to, Megan Leonhardt, a contributor to CNBC.com, recommends at least considering getting travel insurance. When you’re spending a lot of the money for your trip upfront, you want to be sure that you’re able to actually take that trip or get reimbursed, which is much easier when you’re insured.
There’s A Chance Your Plans Might Change
When you’re making your travel plans, you may come across a great deal that you just can’t pass up, even if you’re not entirely sure about dates or times for the entirety of your trip. In situations such as this, Janna Irons, a contributor to Outside Online, advises that you get travel insurance for your reservations. Additionally, if you think there’s a chance that you might change your mind about your trip or want to make adjustments, it’s smart to give yourself an easy way out by just paying a few more dollars.
If you have travel plans coming up, consider using the information presented above to see if getting travel insurance is the right move for you.