Why do you need travel insurance?

As people are travelling abroad more frequently, surveys show that travel insurance has become increasingly popular. The latest research demonstrates that 77% of travellers surveyed said that they had taken out travel insurance in the past.

Travellers  often  have  various  reasons  for taking  out  travel insurance.  Some people focus on baggage protection or others may be concerned about trip cancellation cover. The good news is that many travel insurance policies, like the one you can find with GasanMamo, cover important elements as standard. 

In this article, we explore why you need travel insurance and key facts about travel insurance so you have a clear idea of what you need before you take a trip.

Contents

●    Why do you need travel insurance?

●   Is travel insurance necessary for international trips?

●   What does a good travel insurance policy look like?

●   Gain peace of mind with travel insurance from GasanMamo.

Why do you need travel insurance?

Before you travel, it’s helpful if you work out what your specific needs are and the key priorities that will shape your trip. For example, if you’re going on a high-risk or very active holiday, such as a ski trip, you will need tailored ski travel insurance to cover any ski-related issues.

However, here are five common reasons why many people take out travel insurance before they start their journey.

1. Medical emergencies

Expenses that result from unexpected medical care when you’re away from home on a trip can be high. A travel insurance policy that covers the cost of emergency medical

care and associated costs is ideal if you don’t want to be hit with eye-watering medical bills, particularly if you have been unwell on vacation.

2. Trip cancellation

There is always the possibility that your trip could be cancelled due to unforeseen circumstances or even curtailed to an extent. In these situations, travel insurance can help you cover costs.

For example, if you had to cancel your trip due to illness, injury or other unanticipated event, your travel insurance policy may reimburse you for non-refundable expenses, such as flight or accommodation costs.

3. Travel delays

In those frustrating situations where a flight is delayed, your travel insurance policy should be able to provide a benefit for when you experience a delay of more than 12 hours.  

4. Lost baggage

The last thing you need while travelling is to lose your baggage, passport or money. Vacationers have sometimes experienced one or more of these items being stolen from them.

To help you protect yourself and your essential travel belongings, it’s vital that you take out a travel insurance policy that will cover the cost of replacing these possessions.

5. Reassurance

When you go away on an international trip, you don’t  want  to  feel  anxious and stressed about losing your belongings, experiencing delayed flights or suddenly becoming ill.

Knowing you have an extensive travel insurance policy at your fingertips should you need it will help you relax, unwind and enjoy every aspect of your trip or vacation.

Is travel insurance necessary for international trips?

Even though travel insurance is typically not a legal requirement for travelling abroad, it is very much recommended that you take out a travel insurance policy before you travel that aligns with the specifics of your trip.

You never know when you will encounter unexpected travel delays or cancellations, medical emergencies or lost baggage. Losing your passport can become a major blockage to immediate international travel or connecting travel within a country. 

It makes sense to have decent protection in place to ensure that, if something untoward happens, you have a safeguard you can turn to for help and financial assistance.

What does a good travel insurance policy look like?

An experienced travel insurance provider will clearly explain exactly what cover you have access to with your travel insurance premium.

Generally, you can expect a comprehensive travel insurance plan to cover the following as standard:

●   Loss or damage to baggage and money

●   Cancellation or curtailment of your trip

●   Costs for emergency medical care and associated expenses

●   Delayed flights

●   Loss of passport

Enjoy peace of mind on every journey with GasanMamo Travel Insurance

Taking a trip without travel insurance can be risky. There’s no safety net or protection waiting to support you if something happens you weren’t expecting. That’s why it pays to play safe and secure your travel insurance policy before you travel.

It’s best to consider all of your needs and match these with a coverage option so that your policy aligns with your journey. That way, you’ll be able to enjoy your trip with added peace of mind and concentrate on enjoying your time away.

To  get  started,  take  a  look at our travel insurance cover, comprehensive benefits, optional extras, and annual offer on our travel  insurance  page.

Why not  get  in  touch  for  a  chat  with our friendly team of experts and discover the travel insurance that will give you reassurance and protection.

GasanMamo Insurance is authorised under the Insurance Business Act and regulated by the MFSA.

Photo © by Noey smiley