Travel Insurance: 5 Reasons You Might Need It

“Of all the books in the world, the best stories are found between the pages of a passport.” -Unknown Author

Whether you are traveling to see more of the world or for your business affairs, it would be in your best interest to get travel insurance. You might think this is not necessarily a necessity, but when you are itching to leave footprints around the globe, it would be best if you have a semblance of a contingency plan in the form of a travel insurance just in case anything would go wrong. It might seem like it is just one more expense that you do not necessarily need, but when you find yourself in a snag, you are going to be thankful you elected to get it. Travel insurance in the Philippines is not hard to come by; you just need to find an insurance company and agent you trust and then you can go on about your travel excursions.

Here are some of the reasons why you would need travel insurance:

1. Trip Cancellation

You will never know when you will have to cancel a trip, but there are likely chances that you might have to. Reasons ranging from a death of a loved one to an untimely disease and sickness would be enough to cancel your trip, but that does not mean that the hotel and airline fees you have paid for will be reimbursed amidst your plight. While some hotels and airlines do give refunds, this is rarely the case which is why you travel insurance will come in handy—especially when you have made deposits.

2. Emergency Sickness

Just like you would not know when you would need to cancel your trip, there is no way of knowing whether or not you would fall ill while traveling. This can be a bit of a damper during the rest of your stay as it would mean you cannot enjoy it to the full extent. However, if you have an insurance protection, you will be adequately covered. Some travel insurance companies will send a doctor directly to where you are staying or directly to the nearest clinic with the expenses covered.

3. Concierge Service

If you want to fly in style and grandeur or simply just want the ease of comfort during your flight, you might want to get yourself covered with travel insurance. Some insurance companies would include concierge service to those who availed of their travel insurance packages, and these individuals would get VIP treatment. Apart from the luxe travel accommodations, you could also ask them for restaurant recommendations—no matter where you are in the world and what vaccines you would need prior to arriving in a particular country.

4. Lost Baggage

One of the most infuriating things that could happen once you have arrived at your destination is losing your baggage—and you have not even started your trip yet. All of a sudden, your perfect vacation does not seem so perfect anymore—especially as you wait and wait for bags that do not arrive. This is particularly terrible if your baggage contained valuable items such as cameras, video cameras, phones and the like. This means you would have to call the airline or spend money to replace the items inside your bag. With travel insurance, you need not go all through that as they would step on and have you covered.

5. You miss your connection

Whether it might have been through a delayed earlier flight or anything else that may cause you to miss your connection, travel insurance is your answer. This means that even if you missed the flight going to your destination point, you could still take another connecting flight without any added expenses. Furthermore, you will be assisted along the way by airline staff.