Four Worst Case Scenarios of Not
Having Travel Insurance
Buying insurance is all about
planning for the worst case scenario.
But the last thing you want to do is plan for the worst case scenario
when you are planning a trip to relax and unwind. While thinking about all of the potential
things that could happen is not ideal, it is necessary. This is why travel agents and insurance
companies stress the importance of buying travel insurance. Travel insurance is designed to help you cover
with unexpected expenses that you accrue when you are traveling overseas or
domestically.
From medical care and lost
baggage, traveling can get expensive when things go wrong. But many travelers do not realize the costs
of not buying travel insurance until it is too late. Read on and find out just what can happen
without travel insurance before you board the plane and you have to experience
it yourself.
1. Getting Stuck in a New Country
Without Any of Your Belongings
When you check your baggage, one
of your biggest fears is arriving to your destination just to learn that your
baggage did not make it on the long journey.
But you have no option but to check your baggage and take the risk if
you have more than just a carry-on. And
when you take this risk without buying insurance, you are left dealing with the
airline officials and the situation entirely on your own. You must wait for your baggage to be located,
buy some new clothes to hold you over, and hope that you have enough money left
to enjoy yourself. With insurance, the
claims agent will handle locating your bags.
They will also pay a claims benefit for you to replace your belongings
so that you have a fresh change of clothes.
2. The Added Expense for Lodging
When Your Flight is Cancelled
You cannot control the weather
and you cannot control the airlines.
Sometimes, flights get cancelled.
When this happens, you may need to spend an extra night on
vacation. You have to book
accommodations to sleep comfortably and you may even need to pay more for a
next day flight if there are no coach seats available. When you carry travel insurance, trip
cancellation and trip delay is covered.
3. Trying Recover With No One By
your Side
If you suffer injuries or you
fall ill during your lone vacation, there is nothing worse than being in a
foreign land with no one by your side.
While there are no scientific studies that prove it, people tend to heal
quicker when they are surrounded by people they love. But the only way to be reunited with your
family when you are in no condition to travel home is to buy an airline ticket
and pay for lodging for someone to come to you.
This might not be practical, especially when you are not currently
working. Travel insurance will pay for a
family member to come to you when you are hospitalized.
4. Leaving Your Valuables Behind in
the Taxi
Traveling can be exhausting. After being a tourist all day and navigating
through busy walkways, all you want to do is go to your room and lay down. Exhaustion may cause you to forget your
expensive camera or even your purse in the back of your taxi cab. While you can try to track down the driver
and find your goods, there is a good chance you are going to have to chalk it
up as a loss. With travel insurance, you
will have coverage for your lost belongings so they can be replaced.
Understand how much worst case
scenarios could cost you and pass the risk on to an insurance company. By purchasing insurance, you can prepare for
the unexpected and hope you never need to call to file a claim.
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About the author:
This piece was contributed by
Paul Nickerson, a freelancer based in the greater metro area of Lincoln,
Nebraska; he frequently writes on travel, entertainment and technology issues.
This particular piece was penned for Kanetix; in addition to travel insurance
be sure to view the Kanetix car insurance
comparison service as well as the Kanetix
mortgage comparison service.
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Tags
Travel And Vacations