subject: Do I need travel insurance? [print this page] Do I need travel insurance? Do I need travel insurance?
So you've bought your tickets, packed your worldly belongings into your backpack and kissed your loved ones goodbye before setting off on the most exciting travel adventure of your life. Who knows what tastes, smells and experiences await you in weird and wonderful locations around the world? What is certain is that the months of scrimping and saving will have finally paid off when you touch down at your destination.
Shaking off the responsibilities that come with the daily grind of work and relaxing into a holiday is something to be savoured, whether you're soaking up the sun or letting off steam on the ski slopes. The last thing you want to have to think of when travelling to a foreign culture is: what if something goes wrong? Although it's tempting to forego the time and expense of planning travel insurance in favour of poring over images of sandy beaches, it's very easy for the trip of a lifetime to turn into the holiday from hell. A nasty scrape on some coral can be made far worse when you have to negotiate expensive hospital bills in a foreign language. Alternatively, a glorious view of an ancient ruin can be spoiled if your camera's been stolen.
And no amount of planning can prevent natural disasters from completely disrupting your schedule just ask the many thousands of travellers who were left stranded by Iceland's volcanic ash cloud. Missed flights can have a knock-on effect and end up being far costlier than at first glance.
Thankfully there are a number of companies offering international travel insurance solutions to suit any budget. Whether you need cover for a single trip or for an entire year, there's plenty of flexibility available so you should be able to find a solution that's right for you.
It's important to understand exactly what you're covered for, so you're not left with any nasty surprises when you're on the road. Look for insurers that offer round-the-clock assistance, as accidents can happen whatever time zone you're in, and check that it includes provisions for you to get home if you need to. It's also a good idea to ensure that you can extend your travel insurance if you decide to prolong your overseas adventure.
Another thing to consider is cover for legal expenses when you're travelling. Although it may seem like an unlikely scenario, different cultures have different laws that you may end up on the wrong side of. Cutting your holiday short because you've had to spend your travel fund on legal bills is a sure-fire way to ruin any holiday.
Whatever you're looking for, there's a solution to fit in with your travel adventures. Sorting out travel insurance can give you peace of mind and allow you to get on with finding the perfect spot on the beach, hunting for fantastic holiday trinkets or whatever else takes your fancy.
The author of this article is a part of a digital blogging team who work with brands like Bupa Insurance. The content contained in this article is for information purposes only and should not be used to make any financial decisions.
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