If you haven’t purchased travel protection before, you may be questioning whether you really need it for your next trip or not. From being too expensive to thinking you may be covered elsewhere, we want to visit some of the most common reasons why travelers questions whether or not to purchase – and the reasons why they may want to rethink that decision for their next trip!

You think you don’t need it because there is no way you are canceling.

No one wants to think about what could go wrong, but unfortunately, sometimes things happen that are out of our control. Even if you are currently healthy and fully committed to going on your trip, there are outside sources that could unexpectedly influence your plans, like a natural disaster or a family member getting sick.

You just want the cruise line’s protection plan.

It may seem easy to go with the cruise line’s travel protection plan next time you book, but it’s important to know what you are paying for. If you need to cancel your trip, some plans offered by cruises may reimburse their customers with a travel credit to book with them again, rather than reimbursing them in cash. To have more freedom to choose how you move forward, a third-party plan may be the better option.

You think your personal health insurance will cover any costs.

One of the most common misconceptions is that health insurance will offer coverage if something were to happen on a trip.  The truth is many health insurance plans do not cover medical expenses outside of the U.S., including cruises*. In addition to providing coverage to protect your trip cost, Travel Insured’s plans include accident and sickness medical expense coverage. This can reimburse covered expenses resulting from an injury or sickness, which first occurs during your trip. Some of our travel protection plans even offer primary coverage, which pays eligible expenses first even if you have other insurance that would also cover the same loss.

You think you have coverage with your credit card. 

It’s true, depending on your credit card company you may be provided with some travel insurance benefits. However, credit card coverage is often more limited and depending on what card you have, the coverage varies.**

To find out more about Travel Insured’s travel protection plans, visit www.travelinsured.com. You can get a quote today and find the right plan for your travel needs!

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* https://www.healthinsurance.org/travel-insurance/
**https://www.squaremouth.com/press-room/credit-card-insurance-vs-third-party-travel-insurance-broken-down-by-squaremouth/