Who Should Consider Buying Travel Insurance?

The short answer to this question is: Everybody.

The more nuanced answer is: Everybody who is planning a trip and feels that they could ill afford to lose the money they’ve spent if they were unable to travel; or, Everybody who is planning a trip and feels that they could ill afford to incur any additional costs for medical care, unexpected changes of plans, or lost or damaged property.

Travel insurance isn’t a great investment for every trip. People who are taking a road trip to Grandma’s house probably won’t need travel insurance. People planning a small weekend getaway relatively close to home probably won’t need travel insurance. But all other travelers should at least consider the options and make an informed decision.

Buying a travel insurance policy is a smart move if you are feeling at all cautious about the financial aspect of your trip, if you think there’s any possibility of illness or injury (your own or a loved one’s) hindering your plans, or if you’re concerned about potential weather-related problems such as a hurricane derailing your trip. It’s also a smart move if you’re traveling with young children, who may be more likely to get sick, or if you think your work situation may be changing at some point before you depart. It’s good for people who are taking just one short trip, and it’s good for those who are taking several trips or who are traveling for months at a time.

There’s no harm in learning more about travel insurance if you’re planning any kind of trip, and there may be many benefits. Many travelers and many different types of travel can be protected with the right insurance policy, so it’s a good idea to ask lots of questions and do some research to determine whether or not you and your trip are among them.

Written by on 8/24/13.
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Question:


hi, is it only for trips originated from the USA?
anton,
12/06/2013

Answer:


Every policy is different. Certain plans, such as the comprehensive package plans are only available to US residents leaving their homes in the US and returning to their homes in the US. Medical and evacuation coverage can be purchased by someone that lives anywhere in the world traveling outside of their home country. Canadian residents have their own set of rules and plans that will show when you select the appropriate province as your residence. The quote tool on our home page is designed so you can enter your trip information and see what plans are available based on the details of your specific trip. Please enter the correct travel information related to your trip, and the site will show you what plans are available for you to purchase.
ChristopherG,
Customer Care insureMyTrip
12/06/2013
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Question:


We are planning a family trip in June. All of our children & grandchildren will be included. I am thinking about trip insurance because our group airline tickets are date specific with no refunds. The death or major illness of one of our elderly parents is the only reason I could foresee us not taking the trip as planned. Since they aren't going on the trip can we still get coverage for this contingency?
LizC,
01/14/2014

Answer:


The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen sickness, accidental injury or death to you, a traveling companion or an immediate family member (including non-traveling family members). To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears NEXT to the words "Trip Cancellation" when viewing a quote.
NicholeH,
Customer Care insureMyTrip
01/14/2014
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