Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

It’s a common enough question: “Is travel insurance necessary?” As for the answer, well, that depends on where you’re coming from, where you’re going, and the importance you place on protecting both your travel investment and the valuables you carry with you.

Start by entering your ZIP code and comparing free online insurance quotes here and now!

Cost is no doubt one of the most important elements involved in determining whether or not travel insurance is necessary—or worthwhile—for you.

To gain a better understanding of the costs involved in securing various types of travel insurance, just type your zip code into the free box on this Web page and start comparing rates now. It’s one stop shopping for the kind of travel security that many people deem as necessary as a reliable suitcase.

Necessary is in the Eye of the Beholder

You are the person in the best position to determine if travel insurance is necessary for your individual situation. The first thing you should do is assign a monetary value to your travel companions, the items you’ll be bringing with you, and your time. Are certain elements of the equation worth more to you than other elements? As you are looking at the various travel insurance options and rates available to you, keep these values in the back of your head. The best course of action is to choose the travel insurance components that are truly necessary to securing a sense of safety and well-being.

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

Necessary Savings of Time and Money

When it comes to travel, a lot can go wrong. From coming down with a stomach bug on the day your flight is supposed to leave to breaking an arm in the middle of your trip, there are many things that can happen to disrupt your plans. But they don’t have to ruin them. Travel insurance can help recoup expenses lost due to a cancelled or interrupted trip, among many other features.

You and your family—and sometimes non-family traveling companions, depending on the policy—will be covered in the event of a canceled or interrupted trip through the aptly named “travel cancellation insurance” and “travel interruption insurance.” If you are going to one of the globe’s more unstable locales, you should be aware that many companies identify war and civil unrest as events that will render the insurance null and void. No matter where you are going, it’s always a wise idea to read the fine print carefully so you know exactly what is, and isn’t, covered.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

 Secured with SHA-256 Encryption

If you consider baggage a necessary element of travel, then you might want to add insurance to that same list of necessities. Ask yourself:

  • How many times has an airline lost your luggage?
  • How much time and money have you lost trying to locate bags that were never spewed out the conveyor?
  • What result would delayed luggage have on your trip?

Baggage loss insurance and baggage delay coverage will compensate you for no-show luggage, allowing you to focus on finding replacement items so that you can begin enjoying your trip right away.

Baggage isn’t the only element of travel that comes with potential delays. Flight delay insurance will provide you with compensation in the event that your plane arrives late or not at all. Your research will reveal that there are different definitions of “late” specified by various travel insurance companies, so make sure you select the coverage that is most in line with your own views on acceptable levels of inconvenience caused by delayed flights. Most travel insurance companies provide compensation for meals, lodging and plane fares as part of flight delay insurance and flight cancellation insurance.

Medically Necessary Travel Insurance

Travel insurance can help safeguard your health in many ways. In addition to basic medical coverage (make sure you look into any existing health insurance to determine what will or won’t be covered while you travel), travel insurance can pay for costly emergency transportation needs that may result if you must be moved from a remote locale—like a tropical island, a mountain top, or a cruise ship— to a hospital. If you think you may be better protected by such services, look for emergency evacuation insurance and medical transportation insurance.

If You’ve Deemed Travel Insurance Necessary, Find the Best Coverage Now

Once you’ve determined that travel insurance is necessary for your next trip, it’s time to use the convenient travel insurance rate comparison tool located here. Just type your zip code into the box on this page to begin comparing rates offered in your area. From the comfort of your own home, you can find travel insurance that will protect you the world over.

Compare travel insurance rates now!