Best Travel Insurance

A woman traveling in desperate need of travel insurance

The top 8 reasons to buy travel insurance:

1. Emergency medical reimbursement: With a travel insurance plan that includes emergency medical coverage, you are expanding your health insurance in most cases. Most plans will work as secondary insurance, filling the holes of your primary health insurance plan. Some plans specifically for travel medical will act as primary insurance, but those plans have fewer travel-related benefits.

2. Cancellation due to illness: This might be the most common cause of ruined vacations. If you or a travel companion were to get sick right before your planned trip and you have to cancel, you could lose the full cost of the trip. Or if a medical emergency crops up during your trip and you need to come home early, in many cases there might be no reimbursement available. That’s where travel insurance could come in handy.

3. Delayed or lost luggage: If you are checking a bag when you travel, you are at risk of the airline losing, redirecting or damaging your bag and its contents. Many regular travelers are also business travelers, and losing luggage could mean losing business attire for a big meeting. Without a travel insurance plan, you would have to endure the cost of purchasing a new suit or appropriate outfit and miss out on benefits that could help reimburse that cost. A travel insurance plan can help reimburse you for necessities purchased while waiting for a delayed bag or damaged belongings.

4. Emergency evacuation: If you need to be flown to a hospital or evacuated from a danger zone, helicopter transport could cost you thousands of dollars. Travel insurance may cover these types of costs.

5. Loss of a friend or family member: Say someone really close to you passes away just before your departure date. With trip cancellation coverage, you may be able to cancel or postpone your vacation in the event of a tragedy.

6. Trip interruption: When a hurricane or winter storm closes the airport for days, keeping you from reaching the resort you’re heading to, you could lose the cost of airfare, side trips and even what you’ve paid for the resort. Buying your travel insurance policy when you book your trip may help you get reimbursed for these costs.

7. Damaged destinations: When a hurricane or winter storm closes the airport for days, keeping you from reaching the resort you’re heading to, you could lose the cost of airfare, side trips and even what you’ve paid for the resort.

8. Peace of mind: Travel insurance can provide peace of mind by helping protect against unexpected events that can occur while traveling.

Disclaimer: The information provided in this response is for general informational purposes only and does not constitute legal or professional advice. Travel insurance policies vary by provider, plan, and individual circumstances, so please consult your policy document and/or provider for specific terms and conditions. Mystic Wind Travel LLC is not responsible for any losses or damages arising from the use of this information.