Traveling is all about experience, and who’s to say you can’t do that with travel insurance? You are allowed to explore the world without that kind of financial protection if you want, but that doesn’t mean you should. You’re even more at risk if you’re traveling without health insurance.
Yes, many travelers won’t mind traveling without insurance. It’s one of the things they don’t prioritize. They are confident enough that nothing will go wrong and, most of the time, they go home happy and satisfied.
But what if an unfortunate incident occurs and you don’t have the financial ability to handle it? That is exactly the purpose of insurance. Without it, your travel plans can go off the rails and you can end up bankrupt. Accordingly, here are things you should be concerned about if you’re traveling without insurance.
Medical emergencies in another country
Without travel insurance, you REALLY are traveling without health insurance. You may have a European Health Insurance Card (EHIC), but that will not be enough to cover you if you need to seek immediate medical attention.
Travel insurance helps you pay for medical costs incurred during your trip. From medications, stomach pains to surgeries, these are covered by travel insurance. Many policies will cover a minimum of £1 million. If you don’t have one, you’ll have to pay all the expenses, including the trip home, and that would be a huge financial loss.
Sudden changes in your travel plans
Includes cancellations, delays, reductions, missed departures and trip abandonment. These scenarios happen every day and can happen to anyone when they least expect it. If you travel, you need to prepare for the worst before it even begins.
By having travel insurance, you protect yourself from incurring simple but agonizing and expensive mishaps. It is your best protection against these sudden changes. But if you don’t have one, you have to worry about the costs you have to pay on your own.
Personal responsibility during your trip
When you travel, you don’t just sit in your hotel and watch something on TV. You do outdoor activities like going to the beach, riding a motorcycle around the city, visiting famous tourist spots and more.
While those are nice times, accidents can still happen. What if you accidentally lose your rental bike, inadvertently hurt someone, or cause damage to someone’s property? These are personal incidents, and are covered by travel insurance.
If you don’t have one with you, you’ll have to settle disputes on your own and even pay for damages you’ve caused. You should think about these situations in advance, especially if your travel plans include a lot of outdoor activities.
Food to go
Travel insurance gives you security while you travel. Without it, your movements are limited because you are too worried that something bad might happen. Instead of enjoying your vacation without worry, you do your best to play it safe because it’s too expensive to have mishaps. But it does not have to be like that. From now on, make it a priority to get a policy to ensure a carefree travel adventure.
