Many times one organizes last minute trips with an emphasis on saving money, but the bitterness of seeing the vacation slip away at the last minute due to a family reason, cancellation or overbooking can ruin everything.
In that case anger, helplessness and resignation set in and one wonders — was there a way around it? The answer is yes and that is to take out travel insurance which, among other things, covers these types of situations.
Why travel insurance is essential
Travel insurance is one of the expenses you should always consider if you want your vacation and departure to be 100% protected. Many times people list it as an unnecessary cost and forget about it until they come face to face with an inconvenience and regret not taking it out.
Travel-related policies aim to support travelers during their stay and on their departure, making sure to find solutions in case of unforeseen events or cancellation.
What it covers and what the protections are
A travel policy offers different levels of coverage depending on cost and the contract chosen. One of the first protections relates to flight delays and cancellations that can damage the vacation but can provide concrete support in case luggage does not arrive at its destination or is stolen.
The maximum coverage limits are quite high and are designed to offer quick and timely support. In case of need, most companies activate quickly, thanks in part to the many services that are active 7 days a week.
In addition to the economic aspect, it is important to think about the health aspect, especially if you are traveling outside Europe. If in Europe, in principle, you are protected by the service card you usually use, things change when traveling outside the continent.
In this case, insurance must imperatively cover health expenses so that you do not run up stratospheric bills for dealing with an accident or illness.
3 benefits of this policy to know about
Travel insurance offers multiple benefits. Let’s see together which ones are most noteworthy:
- Protection from lost luggage. Usually on intercontinental or stopover travel it can happen that luggage is lost or delivered with great delay. Although experienced travelers are now accustomed to and carry the essentials for a couple of nights inside their carry-on luggage, it is true that this is a major inconvenience. With a policy you are covered both in case of loss, theft, fire but also for a delay in failure to return luggage. The policy will also cover any expenses for basic necessities while waiting for the luggage to be delivered.
- Relocation of a family member in case of medical necessity. If your health plays tricks on you and you have to undergo hospitalization of more than 5 days, many companies offer coverage for accompanying a family member: you will be reimbursed 100 percent in relocation and room and board expenses according to an established ceiling.
- Liability. Covers in case of unintentionally caused damages, offering effective coverage on liability.
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