There are many good reason to get travel insurance, which is an extra insurance policy you purchase when you travel that covers bad events that occur while you are vacationing.? Any time to travel, there are things that can happen to you, and there are things that can happen at home while you are gone.? A good policy puts you in a better position to be prepared for and to deal with such happenings.? Here are six things that can happen.
1. ?Missing a flight
Anyone who has traveled knows that connecting flights can be missed.? The flight you are on gets delayed, and by the time you land and get to the other gate, to catch the next flight, you find you have missed it.? While airlines try to accommodate, sometimes flights get missed.? A travel policy will get you another flight, perhaps on another airline, and they will usually cover any costs to change the tickets.
2.? Losing your luggage
Lost luggage is something that has happened to everyone, and it can put a real damper on a vacation.? What can you do when you don?t have your clothes and toiletries?? What happens if you don?t have your medication?? With the rules the way they are today, there are only so many things you can carry on to the plane.? Travel insurance can help you when this happens.??
3.? Losing your money and/or your passport
What if your wallet, with all your money and/or traveler?s cheques, and your passport are lost or stolen?? A good travel policy will provide you with emergency cash and help you get your passport replaced.
4.? A provider going out of business
Some mishaps happen before you even leave for a vacation.? Maybe the city you were planning to visit undergoes a terrorist incident.? Maybe the airline, cruise line, or travel agency goes out of business.? Or maybe you are someone in your family falls ill.? For whatever reason that can come up, what happens if you have to cancel your trip?? If you have ever planned a vacation, you are certainly familiar with the term ?non-refundable.?? Travel insurance covers you for most unforeseen events that affect your vacation.? It can help you recover payments made, or help you plan another vacation.
5.? Getting sick or injured
The most important thing travel insurance provides for you is medical coverage.? Your regular medical policy probably will not cover you if you get sick or injured and your away from home.? It gets even trickier when you?re in another country.? Your policy will make sure you get the care you need, wherever you are, and in cases where it is necessary, help you find doctors that speak English.? And if the treatment you require is not available where you are, your policy can provide transportation to a proper facility.? There are probably not too many things more scary than being sick or injured away from home.? This is the primary reason that travel insurance is not only a good idea, but a necessity.
6.? Inclement weather
Finally, what about bad weather?? Many vacations plans are brought to a halt when you go somewhere, and there is a hurricane.? Most travel insurance policies address this very issue.
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