The necessity of travel insurance

My guest blogger today is John Fegan.  John is a guest writer on a variety of topics from travel to food, most recently writing for the Camera Lens Cafe.

Extremely Loud and Incredibly CloseTravelling is an integral part of many people’s lives. This may be brought about by the need to attend business or work functions or even just for recreational purposes. You need to plan well for a trip you will be taking so that everything goes smoothly for you. Some of the areas that you need to carefully plan for include accommodation locations, transport as well as travel insurance.

Travel insurance makes it a lot easier for you to confront the uncertainties that may be met at one point or the other in the course of travelling. Usually, you may be hard-pressed to handle the complexities that come along with such occurrences as illnesses, injury or losses when on a journey. This may be a challenging encounter for you when you are out of your country. However, having a travel insurance means that you have a fall-back plan when you are confronted by such challenges as may make your travel experience not worth remembering. You will get lots of help when it comes to catering for the costs and compensations that may be involved.

Loss of property is usually a property that may ruin your trip should it happen. This sometimes happens even at the airport and may be a huge inconvenience to you. Airlines may usually only cover up to certain limits in the event that you lose some luggage. Also, the place of accommodation may be to blame for damages or loss to your belongings. When you have a travel insurance that covers this, you will get compensation for the same. Travelling when insured will really save you a lot of trouble should you face any of these unfortunate events. However, you need to clearly understand the conditions for the cover, especially as may regard damage to or loss of property. Some companies may really not compensate you for a loss or damage that result out of your own carelessness. Hence, even when you get such a cover, you need to be very keen in taking care of such property.

Accidents also can be met when away on holiday or on a business trip. There are several unanticipated occurrences that could lead to you sustaining injuries on your body. The medical costs that you could deal with may be a lot more than you planned to spend. For example imagine you’re travelling in the US or another country lacking free health care you go out have a couple of”>glasses of wine, trip on your way down some steps and break something, can you wait until you get home to see a doctor? Can you afford the thousands it may cost to see a doctor and receive treatment. If you have travel insurance that covers accidents, you will be sure to get some form of assistance in this regard. People who travel for recreational activities like skiing should especially look for cover for injuries that may result from such sport.

You will no doubt be advised that when shopping around for insurance cover, you need to look for one that has the best kind of cover for you. Cheap may not really cover all the aspects of your travel and you need to also read all the policies keenly before you buy one out. It also is a good idea to have a cover for legal expenses to come to your aid when you will be pursuing compensation.


Jerry Nelson is a freelance photojournalist. Currently living and working in Argentina he focuses on social justice issues. Known internationally for capturing events in a documentary style with an eye towards the aesthetic, his work has appeared in CNN, USAToday, Huffington Post and others. A nomad at heart, he is always for that next gig which will take him over the next hill or around the next curve in the road. Follow him on Twitter, Facebook or visit his website, or email him today.


4 thoughts on “The necessity of travel insurance

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