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Traveling is usually a time to relax and enjoy spending time with family and friends. It is time off from work so you can recuperate and re-energize. Although no one expects something to go wrong on their trip or vacation, things do happen unexpectedly. Here are some of the most crucial reasons to ensure travel insurance is purchased for each trip.

Medical Emergencies

Although medical emergencies are usually rare occurrences while on vacation, it is still important to be prepared in the event that it does happen. When traveling to other countries or even other states, health insurance often does not cover medical services outside of the country. Therefore, having travel insurance will prevent travelers from having to spend hundreds of thousands of dollars on medical expenses when they become injured or severely sick.

Trip Cancellations or Delays

Booking a trip can be a substantial expense and many people cannot afford to lose those funds in the event that they can’t go on the trip. Purchasing proper travel insurance can allow travelers to cancel their trip for covered reasons, including having to work, losing one’s job, having a sick family member, and many other reasons.

Baggage Loss and Missed Flight Connections

When packing for a trip, traveler’s must pack their most essential possessions so they can be comfortable on their trip. However, if luggage gets lost by the airline, it can take days or weeks to get that luggage back to the owner, if at all. This leaves travelers without items they truly need in order to enjoy their vacation. Those who purchase travel insurance that includes baggage loss can receive funds to replace the items that were in their luggage. Travel insurance may also cover missed connecting flights due to airline delays.

U.S Department of State Recommendation

Although U.S embassies in other countries can assist with replacing passports, finding medical services, recommending courses of action, and helping to locate you in the event of an emergency, they unfortunately cannot pay for your medical expenses or lost possessions. The U.S Department of State recommends that all travelers purchase travel insurance in order to protect their travel expenses and to fund any medical services that may be needed while in that country.

For those who want to minimize stress while on vacation, purchasing travel insurance can have a significant impact. Having that extra protection can ensure travelers are provided a refund for their trip if cancelled on short notice, are compensated for any lost luggage or missed connecting flights and have a way to pay for any medical expenses from getting sick or injured. Having travel insurance can allow travelers to feel more relaxed on vacation by not having to worry about paying for these expenses.