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.

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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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Why Would I Need Trip Insurance or Travel Insurance?

There are several reasons for investing in trip or travel insurance. Whether you are taking flight or going on a cruise anything can happen. Trip or travel insurance is your protection against the many possibilities that can happen. It may seem like an unnecessary expense, but that low possibility and small investment could end up costing you more than money.

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Even the best made travel plans sometimes have to be altered or cancelled. Travel can be expensive and therefore qualifies as an investment for both individuals and businesses. Protecting your investment is as necessary as having car, health, or life insurance, especially if you are a frequent traveler.

Do I really need trip or travel insurance?

In many cases- yes. This insurance is a necessity because of the many things it covers. Most people limit the possibilities to illness, but what if the airline loses your luggage? If you are traveling between August and October there is the threat of hurricanes and tsunamis. For the cost of a dinner date, you can have peace of mind while on vacation or business.

If travel is only for a short distance and the cost is minimal, there may not be a need for this type of insurance. A 100 mile trip from Richmond, VA to Washington DC realistically does not require such precautions. This is where a judgment call is necessary.

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What are some situations when having travel insurance pays off?

When preparing to travel we do not always consider everything that could happen. Here is a list of some of the possibilities:

  • Taking ill before, during, or returning from your trip
  • Inclement weather conditions at any point of the route
  • Terrorist threats
  • Lost bags or luggage
  • Flight cancellations
  • Lost or stolen passports or other forms of identity

Since 9/11 more people are taking advantage of this insurance option, just in case, especially when headed to countries where past instances of attacks have occurred. It does not have to be the insured that encounters the problem; it could be a travel companion that is hurt or becomes ill.

What happens if I have to cancel or postpone my trip?

If for some reason it becomes necessary to cancel or postpone the trip, a claim has to be submitted just like with any other form of insurance to report the incident or reason for the cancellation. Depending on the type of travel insurance coverage, processing the application will require as much documentation as possible. An emergency room form or proof thereof will be needed as verification. Any proof of advanced money spent will also be needed to process your claim.

Travel agents will be instrumental in rescheduling postponed travel. Some outfits will only reimburse a certain percentage minus administration or handling fees. Discount travel websites may charge up to $150 for changes to your plans, if they permit them. Your insurance allotment should cover these types of losses.

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What different types of trip and travel insurance exist?

Trip or travel insurance can be bundled or purchased separately. These are some of the different types of coverage available to you.

  • Lost or stolen bags or luggage
  • Major Medical
  • Accident Insurance
  • Cancellation or Trip Interruption
  • Non-refundable Insurance
  • Extreme Sports or Adventure Coverage

Even golf insurance is available in the event your golf clubs are lost or stolen. You can protect your credit card against unforeseen circumstances that are not covered by your credit card company.

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Trip or Travel Insurance for Your Individual Needs

Customizing your trip or travel insurance policy is the key to making the best of your investment. There is no need to overpay for coverage you do not need. Sometimes we do not know exactly what we need or what is available to us. This is why it is essential to do some research and talk with your travel or ticket agent about the cost of travel insurance and its value to you.

Simple baggage coverage may be a little as $13 whereas trip or travel insurance from discount online travel websites could cost anywhere from $27 to $50 depending on the form of travel. It costs around $10,000 to evacuate someone from a cruise ship to a medical facility, so cruise travel insurance may be more. The amount of coverage is something that will have to be determined by you. To save money it is always a good idea to consider raising the deductible and take advantage of any club discounts available.

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