5 Reasons to Get Travel Insurance

5 Reasons to Get Travel Insurance


It’s summertime and you can already picture it – the waves crashing against the sand, the gentle ocean breeze, the cool drink in your hand; you’ve worked hard all year and it’s finally time to go on that vacation.

Whether it’s a dreamy beach getaway or a cozy cottage respite, summer tends to be the ideal time to take a break. However, it isn’t always as simple as booking a flight and taking off – certain precautions need to be taken. That is why we have compiled a list of 5 reasons you should be insured!

Listen, we get it. It can be tempting to overlook travel insurance when you’re going away. Despite the horror stories that circulate around, there can be this tendency to think “oh but it wouldn’t happen to me.” Yet to say that the peace of mind that comes with knowing you are covered is worth it is an understatement.


Here are 5 reasons why.


1) Unexpected Emergencies

No matter how well you plan your holiday, it just won’t go to plan. It is incredibly common for unexpected events to occur and bring costs up.

Emergencies can happen at the drop of a hat – whether it’s family related or work related, not being covered for such an instance can mean thousands of dollars down the drain.


2) Lost Luggage

You finally get to your holiday destination and the excitement is ever-growing. You get past immigration and now all you need to do is get your luggage and you’re on your way to a week of sheer relaxation.

You wait and wait until it becomes clear that something is wrong. Your luggage isn’t coming. One of the most common pains when travelling is losing luggage and it is important to have coverage so that, even if something is lost, it can be reimbursed by the insurance agency. That way, your vacation can begin regardless of any lost items.


3) Credit Card Theft

Alright so you have your luggage, you’re off to your hotel, and the vacation can truly begin. You go out for the first few nights before realizing that the budget you have set for the trip has been eaten up. What happened? You look at your credit card history and realize that you haven’t made half of the purchases that are on there – something is very wrong.

Credit cards aren’t typically designed to cover vacations so calling your bank to dispute charges can be an absolute nightmare. Now not only do you have to cancel your card, but all the money you were going to spend during this holiday has disappeared.

Travel insurance offers extensive coverage when things such as this go wrong – it’s a small investment that can save you a lot of money down the line.


4) Hospital Bills

You’ve gone out, tried the local cuisine, and you’re having a great time. But then you wake up the next morning and realize it was too much too soon – and like many who go on vacation, you’re feeling a little under-the-weather.

Without travel insurance, you’re essentially helpless. Remember, despite having great health insurance back home, you aren’t covered on vacation. Something as little as a flu can run up a large hospital bill.


5) Emergency Room Bills

The flu has gone away and it’s finally time to go on an adventure. If you’re in a mountainous area, hiking is a popular choice; if you find yourself on the beach, the ocean will inevitably call your name.

As fun as these activities are, they present real risks. Accidents can often be unavoidable and injuries occur on a daily basis. Spending even a day in the hospital because of such an injury can mean tens of thousands of dollars lost.


In conclusion, this would have been a nightmare trip without travel insurance. From losing your luggage to getting sick to delayed flights; your next vacation might be years away because of the massive dent this would have caused.

On the other hand, a couple hundred bucks spent on travel insurance means that no matter the unexpected occurrences, the trip would still have been enjoyable. It really is a no-brainer.

If you’re planning on going on a holiday, contact one of our expert licensed brokers now at This email address is being protected from spambots. You need JavaScript enabled to view it. or call us at 905-696-9090 to make sure your next trip isn’t your last.



Source: Canadian Underwriter.

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