The answer is yes, yes you do, and here’s why.
Do You Want to Lose Your Vacation Investment?
You’ve paid a lot of money for your once in a lifetime trip and can’t afford to lose that investment. You are days away from the big trip when mom falls and breaks her hip preventing you from traveling. Although sad, the hotels or cruise lines won’t be so sympathetic when their policy states “non-refundable”. It’s situations like this when travel insurance is a MUST! When you run into non- refundable rates you can still get your investment back when you’re covered through your travel insurance.
Travel is an Investment in Your Happiness
Traveling is an investment into you and your family’s happiness and well-being, but that doesn’t always mean that the trip will be smooth sailing the entire time. Stuff happens and next thing you know you’ve missed your flight or your baggage is lost. So much for happiness, right? Wrong! You will be covered for any trip delays, lost baggage, or baggage delay, and any other minor mishaps.
What if There’s a Medical Emergency?
Medical care overseas can be expensive. As the U.S. State Department notes, “many foreign medical facilities and providers require cash payment up front and do not accept U.S. insurance plans. Medicare does not provide coverage outside of the United States.”
Traveling today is quite different due to the COVID-19 Pandemic. If you were to face an emergency or need to evacuate the country for medical purposes the cost can easily climb to the hundreds of thousands. When emergency medical coverage is included in your travel insurance you don’t have to sweat the cost and can just worry about your safety and well-being.
Your Credit Card May Not Cover Everything
It’s true that many credit cards include travel insurance of some kind, but be sure you’re reading the fine print because they may not cover everything. Most credit card companies have hoops to jump through to even qualify for coverage. It’s best to invest in a travel insurance policy that will be a “no questions asked” format.
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