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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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 do people purchase travel insurance? ›

If you've spent money on nonrefundable airline tickets, tours and hotels, you could be at a loss if something goes awry. Travel insurance covers numerous scenarios, from a medical emergency to a tropical storm. It could be particularly useful if: You've spent a lot on prepaid, non-refundable expenses.

Why is it important to have travel insurance? ›

By taking out travel insurance you are essentially covering yourself against travel risks such as lost or stolen luggage, cancellation cover (should you not be able to travel due to unexpected medical or personal reasons) and most importantly, unexpected medical costs abroad.

What are the benefits of trip insurance? ›

Travel insurance is coverage designed to protect against risks and financial losses that could happen while traveling. The risks range from minor inconveniences such as missed airline connections and delayed luggage all the way to more serious issues including injuries or major illness.

Why should you purchase insurance? ›

Insurance is a financial safety net, helping you and your loved ones recover after something bad happens — such as a fire, theft, lawsuit or car accident.

What is travel insurance for and does everyone need it? ›

Travel insurance can minimize the considerable financial risks of traveling: accidents, illness, missed flights, canceled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency evacuation, and getting your body home if you die.

Is it a must to have travel insurance? ›

For the most part, if your destination doesn't require a VISA to enter then Travel Insurance is thought of as an extra. However, there are some parts of the world where Travel Insurance is legally required for you to enter the country, whether you are from a VISA free country or not!

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 should travel insurance cost? ›

The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.

What is the purpose of travel insurance Quizlet? ›

Travel insurance covers you for losses caused by trip cancellation and interruption, medical expenses, baggage loss, and trip and baggage delay.

What does travel insurance give? ›

Travel insurance provides financial protection if you face certain problems when you're travelling or on holiday. It covers a range of possibilities, from lost luggage to the cost of medical care if you become ill or have an accident.

What are the two basic types of travel insurance? ›

What type of travel insurance do I need? There are two main types of travel insurance: trip protection plans and travel medical plans.

When to start travel insurance? ›

It's best to buy travel insurance right after you've booked your holiday to ensure you're covered for any unexpected events that might force you to cancel or change your travel plans.

What is the most important insurance and why? ›

Health insurance is a critical piece of every financial plan. An unforeseen diagnosis or a major accident can leave you with a six or seven-figure medical bill.

Which insurance are most important and why? ›

Life insurance will help provide financially for your survivors. Health insurance protects you from catastrophic bills in case of a serious accident or illness. Long-term disability protects you from an unexpected loss of income. Auto insurance prevents you from bearing the financial burden of an expensive accident.

Do most people purchase travel insurance? ›

Also most travelers (70%) taking a cruise buy travel insurance. Other differences between those who purchase travel insurance and those who don't are: Reason for travel - Purchasers of travel insurance are more likely to have a destination or activity as part of their trip rather than visiting friends and relatives.

Are more people buying travel insurance? ›

While almost two-thirds, or 73%, of people are willing to pay extra fees for travel insurance or refundable booking options for their trips, Gen Zers and millennials are far more willing — at 87% and 83%, respectively — to pay extra for travel protections compared with other generations, according to a report by Bank ...

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