3 insurance myths

3 Travel Insurance Myths & Misconceptions

  • Travel Team
Nov 29, 2017

Is travel insurance a trip necessity or just an extra expense? Take a look at these common myths and misconceptions about travel insurance to get the facts and make an informed decision next time you travel.

1. You don't need travel insurance if you already have health and homeowners insurance.

You may think your health and homeowners insurance cover all your bases when you take a trip, but travel insurance can offer benefits that you won't get with these types of insurance alone. In addition to providing 24/7 multilingual travel assistance, some travel insurance plans can also protect you in the event of:

• Trip cancellation
• Trip interruption
• Lost, stolen or damaged luggage

In addition, your health insurance may not cover you when you travel abroad, meaning you'll be responsible for the bill if you get sick or injured. With travel insurance, you can get medical coverage around the globe with an extensive network of worldwide health care providers, as well as 24-hour multilingual travel assistance.

2. You only need travel insurance for high-risk trips.

Travel insurance isn't just for adventure seekers and extreme sports enthusiasts. Whether you're hiking through a rain forest climbing Mount Everest or sightseeing in Paris, travel insurance provides valuable benefits that:

Protect your investment: A trip protection plan will cover you if you need to cancel, delay or interrupt your trip.
Protect your medical expenses: You'll be covered if you get sick or injured when travelling abroad.
Protect your belongings: You'll be covered if you need to replace lost, stolen or damaged luggage, or in some cases rent specific types of sports equipment.

Wherever you go and whatever you plan to do when you get there, travel insurance can provide the guarantees you'll get the help you need if something goes wrong.

3. You can just choose any travel insurance policy because they're all alike.

It's not true that all travel insurance policies are created equal. Policies come in all shapes and sizes, and provide varying amounts of coverage. It's important to do your homework and choose a policy that meets your specific needs. Take trip protection, for example. Among other things, these policies may differ in terms of what percentage of costs will be covered in the event of trip cancellation, interruption or delay, as well as how much you can receive to replace lost or stolen luggage. The same is true of travel medical insurance, where things like deductible options and emergency transportation coverage can vary greatly depending on the policy you choose.

If you have any questions about whether you need travel insurance and which policy is right for you, please contact us!

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