Should You Buy Travel Insurance? Here’s What It Really Covers—and Why It Might Be Worth It
- My Incredible Vacation
- Jun 30
- 2 min read
Planning your dream vacation is exciting—but what happens if things don’t go as planned? Flight delays, lost luggage, or unexpected illness can turn a smooth trip into a stressful one. That’s where travel insurance comes in.
If you’re wondering whether travel insurance is worth it, the short answer is: often, yes. Especially for international trips, cruises, or prepaid vacations, it can offer both financial protection and peace of mind.
What Does Travel Insurance Typically Cover?
Travel insurance plans vary, but most include the following types of protection:
1. Trip Cancellation & Interruption
If you need to cancel your trip due to a covered reason—like illness, injury, or a death in the family—you can be reimbursed for non-refundable expenses such as flights, hotels, and tours. Trip interruption coverage can kick in if you need to return home early.
2. Emergency Medical Coverage
Your health insurance may not cover you abroad. Travel insurance can cover medical treatment, hospital stays, and even emergency evacuation if you’re injured or become ill during your trip.
3. Baggage Loss or Delay
Lost or delayed luggage? Travel insurance can reimburse you for essential items and help recover costs for missing or damaged baggage.
4. Travel Delay
If your flight is delayed and you incur extra expenses—like hotel stays or meals—this coverage can help reimburse those costs.
5. 24/7 Assistance Services
Many plans offer a hotline you can call for help with finding a doctor, arranging emergency transportation, or navigating local health systems.
When Travel Insurance Makes Sense
While not every trip needs insurance, here are situations where it’s highly recommended:
International travel
Cruises
Group travel with prepaid bookings
Trips with strict cancellation policies
Travel during hurricane or flu seasons
Why We Recommend Travelex Insurance
We partner with Travelex Insurance Services because of their reputation, plan flexibility, and excellent customer service. Their plans offer competitive coverage for both domestic and international travel, with options to add extras like “cancel for any reason” protection.
👉 Get a quote from Travelex today and see how affordable peace of mind can be.
Final Thoughts
Travel insurance isn’t just a nice-to-have—it can be a financial lifesaver. While no one wants to think about what might go wrong on vacation, having coverage in place means you can focus on enjoying your trip, not worrying about the “what ifs.”
If you’re booking a trip you’ve been dreaming about for months (or years), protect it with a plan that travels with you.
