5 Reasons We’re Purchasing Travel Insurance for Our Next Trip (2024)

Thank you VisitorsCoverage for sponsoring this post. VisitorsCoverage gives you peace of mind while traveling.

We were once young and wild and carefree, and didn’t really think about things like travel insurance. Okay, we were really never that wild, but we were once young (R.I.P. my twenties) and definitely much less informed, which I guess could count as carefree.

Throughout all of our travels, it seems like luck has been on our side. We’ve had a few close calls with almost missing flights, but everything came together in the end. And while we’ve never been seriously ill or injured on a trip, I’ve had a few bouts of food poisoning, Aaron always seems to end up injuring a toe, and Hudson has had too many minor falls and scrapes to count.

While I hope our luck holds out, I’ve accepted that the smart and practical thing to do is get travel insurance through VisitorsCoverage on our next trip. I’ve put it off previously because on top of planning everything else, it just seemed like one more thing to research, book, and pay for.

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On our recent trip to Costa Rica, we found ourselves skipping certain activities because we hadn’t purchased any travel insurance. While I always hope we never have any accidents, especially while traveling, the likelihood of getting injured when you’re rafting down a rushing river or dangling from the top of a waterfall is at least a little bit higher (but really, a lot).

In preparation for our next trip, I’ve been researching more about travel insurance, and was so happy to learn about VisitorsCoverage. It’s easy to find a travel insurance policy on the VisitorsCoverage website, which means I can focus more on booking fun activities and less about how much an emergency would cost while traveling. Here are five reasons we’re purchasing travel insurance for our next trip.

1. It’s actually really simple to purchase travel insurance with VisitorsCoverage

While I know how important it is and that the costs of not having travel insurance could truly be astronomical, I had a slew of poor excuses as to why I haven’t booked travel insurance. The most used one was that it would just take too long to find a policy that was really worth purchasing, so I just didn’t.

I went ahead and priced out insurance for a potential upcoming trip on the VisitorsCoverage website, and it really only took me a minute. After filling in a few boxes about the who, what and when of traveling, I had seven different insurance quotes.

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5 Reasons We’re Purchasing Travel Insurance for Our Next Trip (3)

2. It’s affordable

After scanning through the quotes I got on VisitorsCoverage, I realized how affordable travel insurance is, especially when comparing it to the potential costs of an accident or emergency when traveling abroad. While medical care in some countries can be relatively cheaper compared to the U.S., the cost of travel insurance is a tiny fraction of what a trip to the hospital could cost.

3. We’re traveling to farther places

We started traveling more often about four years ago when we were living in England. We traveled within Europe, so we were only ever a few-hour flight from home and the cost to get back was pretty cheap. Now that we’re traveling further and further from home, with flight times that can be the better part of a day and that cost a lot more, we don’t want to feel like we’re stranded without the resources we need to get help.

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4. We’re traveling with a kid

Our top concern is always the health and safety of our son, so I don’t want to feel like I’m compromising with his medical care because we’re traveling.

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5. It’s the best way to prepare for the unexpected

I hope I never have to actually use travel insurance, but I know there are so many things that can go wrong on a trip. VisitorsCoverage offers policies that include travel medical insurance, trip cancellation and trip delay insurance, so I can stress less about all of the what-ifs when traveling, and know that I have a plan if anything does happen. You can also learn more about VisitorsCoverage and what they offer by following them on Facebook, Twitter and Instagram.

If you’re planning a trip and considering travel insurance, hop on over to VisitorsCoverage for a quote. It only takes a minute (it really does)!

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5 Reasons We’re Purchasing Travel Insurance for Our Next Trip (2024)

FAQs

Why would someone purchase travel insurance? ›

You'd have to pay to reschedule your trip or replace your items out of pocket. Travel insurance can help provide peace of mind and protection on your trip. For example, if your trip gets interrupted for a covered reason or you get injured while you're away, the plan is designed to help cover those costs.

Why should you get travel insurance? ›

Travel insurance can cover replacing your baggage and valuables if they're lost, damaged or stolen. Some insurers will also help you organise a replacement while you're away if you need it urgently. Expensive items may cost you more to insure. Think about what you're taking with you.

Why is travelers insurance important? ›

If your trip is impacted by a covered reason, such as personal illness, illness or death of a family member, natural disaster, job loss, tour company going out of business, terrorist attack or flight issues, this coverage typically can reimburse you for prepaid travel costs or additional expenses.

What are the most common travel insurance claims? ›

Top 3 Most Common Travel Insurance Claims
  1. Medical Emergencies: Accidents can happen at anytime and you could find yourself having a medical emergency before or during your holiday. ...
  2. Lost or delayed baggage: ...
  3. Cancellations:
Feb 8, 2024

What is the best travel insurance to buy? ›

The Best Travel Insurance of 2024
  • Faye: Our top pick.
  • Travelex Insurance: Best for families.
  • Nationwide Travel Insurance: Best for cruise travel.
  • Tin Leg Travel Insurance: Best for customizable coverage.
  • Berkshire Hathaway Travel Protection: Best for luxury travelers.

When would someone use travel insurance? ›

Travel insurance could be particularly useful if: You've spent a lot on prepaid, non-refundable expenses. You're traveling internationally where your health insurance won't apply. You're traveling to a remote area or for an extended period.

Why do travelers need to have a travel insurance? ›

Travel Insurance assumes particular importance while travelling abroad simply because of the number of risks that it covers. Typically, a Travel Insurance policy covers medical risks, travel risks, and also flight disruptions.

When should you take out travel insurance? ›

When to buy travel insurance can depend on the trip or trips you're taking and the kind of policy you choose to suit them. Usually, though, it's best to get cover in place for your holiday as soon as you've booked or made a financial commitment to it.

Do I need insurance when traveling? ›

Travel health insurance is especially important if you have an existing health condition, are traveling for more than 6 months, or doing adventure activities such as scuba diving or hang gliding.

What does travel insurance not cover? ›

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

How much travel insurance is enough? ›

As a general guideline, it's wise to buy at least $100,000 in travel medical expense coverage. The most generous travel insurance plans provide $500,000 per person for emergency medical expenses. Other good plans have ample medical coverage of $250,000 or $100,000 per person.

Does travel insurance cover flight cancellation? ›

Does travel insurance cover cancelled or missed flights? Your travel insurer may cover you if your flight was cancelled and the airline company doesn't or can't reschedule your flight. Your insurer may also cover you if the airline company doesn't reimburse you as a result, or only reimburses part of your expenses.

What is the value of travel insurance? ›

Travel insurance provides a range of protection before and during your trip. If you must cancel your vacation for reasons stated in your policy, travel insurance can reimburse you for nonrefundable expenses. It can also help cover medical care and evacuation costs in an emergency.

What is often not covered in travel insurance? ›

According to Allianz Global Assistance, a travel insurance provider, "Trip cancellations and trip interruptions due to known, foreseeable, or expected events, epidemics, or fear of travel are generally not covered."

What are the two 2 basic types of travel insurance? ›

There are two main types of travel insurance: trip protection plans and travel medical plans. Trip protection protects U.S. residents while traveling within the United States and abroad and is important if you don't want to lose the money you paid for your trip if you must cancel, interrupt, or delay your trip.

What does travel health insurance cover? ›

Travel medical insurance provides reimbursem*nt for emergency medical expenses, including medical evacuations, while you're traveling. These policies do not provide coverage for routine expenses. So, if you break your leg while you're on vacation internationally, emergency medical coverage will protect you.

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