Essential Reasons You Should Always Have Travel Insurance

Why Travel Insurance Is a Must-Have?

Travelling without insurance might seem like a cost-saving decision, but it can quickly become a financial and logistical nightmare. Whether you're flying abroad for a holiday or a business trip, unexpected events like trip cancellations, medical emergencies, or lost belongings can significantly impact your journey.

A comprehensive travel insurance policy gives you financial protection, peace of mind, and support during unforeseen situations. Here are few compelling reasons why you should never travel without insurance.

1. Trip Cancellations and Delays Can Be Costly

Flights get cancelled, plans change, and sometimes unforeseen circumstances—such as illness, natural disasters, or airline strikes—can force you to cancel your trip. When flying without travel insurance, you can risk losing pre-paid non-refundable costs, including flights and hotel bookings. A good policy covers these expenses, ensuring you don't suffer financial losses due to unavoidable cancellations.

2. Lost or Delayed Checked-in Luggage Can Ruin Your Trip

Imagine arriving at your destination and finding that your checked in luggage has been lost or delayed. While airlines provide limited redressal, travelling without travel insurance would mean covering the cost of replacing essential items yourself. With the right policy, you can receive compensation for lost or delayed checked in baggage, helping you get back on track without unnecessary stress.

3. Passport/Visa Theft

Losing your passport/visa in a foreign country can be a nightmare. Replacing these documents can be costly and time-consuming. Travel insurance can cover the expenses related to lost passports, ensuring you get the assistance you need to continue your trip.

4. Natural Disasters and Weather Disruptions

Unexpected natural disasters, such as hurricanes, earthquakes, or floods, can disrupt travel plans. If your destination becomes unsafe or your flights are grounded due to extreme weather conditions, travel insurance covers cost towards rebooking flights and securing accommodation.

5. Accidents and Injuries Abroad

Medical emergencies can happen anywhere, and healthcare costs in foreign countries can be exorbitant. Travelling without travel insurance leaves you vulnerable to massive medical bills in case of an accident, illness, or injury. A travel insurance policy ensures you receive the necessary medical treatment without worrying about expenses, including hospitalisation, surgeries, and prescription medications.

6. Emergency Evacuations Can Be Expensive

If you require medical evacuation due to a serious injury or illness, the costs can be overwhelming. Emergency medical evacuations, including air ambulance services, can be dearer. With the right insurance plan, you will have coverage to be transported to a nearby better location or even repatriated back home.

7. Missed Connections/Departures and Flight Rescheduling

A delayed flight can cause you to miss an important connection, leading to additional expenses for rebooking tickets, overnight stays, and meals. If you're travelling abroad without insurance, these costs come out of your pocket. Travel insurance covers expenses for missed connections/departures due to airline delays or unforeseen travel disruptions.

8. Acts of Terrorism or Political Unrest

Unfortunately, political instability and terrorism are unpredictable risks. If an emergency occurs in your destination country, travel insurance can cover travel expenses to the nearest place of safety and reasonable accommodation expenses if unable to return to country of residence. Without insurance, you could be left scrambling for last-minute changes at your own expense.

9. Peace of Mind Throughout Your Trip

The most significant advantage of having travel insurance is the peace of mind it provides. Knowing that you're covered for medical emergencies, lost belongings, cancellations, and unexpected disruptions allows you to travel stress-free. Travelling without travel insurance leaves you exposed to risks that can be costly and frustrating to handle alone.

Insure and Be Secure

Skipping travel insurance to save money can be risky. The financial and emotional burden of dealing with these issues alone can be overwhelming, from medical emergencies and trip cancellations to lost passports and unexpected disasters.

Protect yourself by choosing a Royal Sundaram International Travel Insurance plan tailored to your travel needs. With comprehensive coverage, you can confidently explore the world, knowing you're safeguarded against unforeseen mishaps.