Top 10 Reasons Why Travel Insurance is a Trip Essential


November 1, 2018 | View PDF

Booking a vacation? Before you skip out on travel insurance, it's important to know what you may be missing. Travel is a major investment and, just as you wouldn't drive a new car in rush-hour traffic without insurance, you wouldn't want to leave home without protecting your valuable experience. Here are the top 10 reasons why you should always choose travel insurance to secure your peace of mind.

1. Life is unpredictable. Some trips

need to be cancelled. With travel insurance, you don't necessarily have to pay for a trip you are unable to take. Instead, enjoy more confidence knowing that you can stay a step ahead of unpredictable situations before and during your trip.

2. Don't let sickness stop you. From

coughs in the crowds to exotic eats that don't agree with your stomach, sick happens. It's less scary to be sick with travel insurance by your side to help you through these troubles.

3. Your health insurance has its limits.

When you travel outside the U.S., you may be leaving your health insurance at home. Many U.S. plans including Medicare and Medicaid don't cover healthcare costs outside the U.S.

4. Forgot your medication? Lost or

forgotten medication can set off an alarm when you're far from home. It's always nerve-wracking when something goes wrong. But when you're in a foreign country, you don't want to face any kind of crisis alone. Allianz Global Assistance plans include 24/7 access to our award-winning Assistance team who can help you locate the nearest pharmacy right away.

5. Lost luggage can leave you in a

lurch. Allianz Global Assistance provides benefits that can help you replace needed items if your bags are delayed, damaged, or stolen while you're away. With reimbursement for your lost trip essentials, you can still suit up for wherever your journey takes you next.

6. The plan crumbles. If a travel

supplier ceases operations, you may not get a refund for the money you pre-paid for a cruise, flight, or tour. Travel insurance can make it so you are less likely to pay for an experience you'll never have.

7. You don't want the credit (voucher).

Airlines aren't required to refund a ticket in the event of an emergency. In fact, your carrier can choose to offer a credit voucher toward future travel instead of cash in pocket. With travel insurance, you have more control over your Plan B.

8. Speaking of change of plans...

Flight delays can add up. Beyond being annoying, prolonged delays can cause you to accrue expenses while you wait, or worse, miss a connection. With travel insurance, a covered travel delay can mean reimbursement for rebooking fees, meals, and accommodations.

9. Your credit card may not cover

you. Some travelers opt out of travel insurance, thinking credit card coverage would suffice in a crunch. Truth is, even if you have this free coverage, it won't be as extensive as a separate travel insurance plan.

10. Tap into smart travel tools. Allianz

Global Assistance provides travelers with a simple-to-use tool that pairs perfectly with wanderlust. Download the TravelSmart app to view your policy on the go, file a claim, track your flight in real-time, and get one-touch emergency assistance. All this and more is at your fingertips.

Terms, conditions, and exclusions apply. Plans underwritten by BCS Insurance Company or Jefferson Insurance Company. AGA Service Company is the licensed producer and administrator of these plans.


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