Going on a trip isn't cheap. You've got the up-front cost of your plane ticket, your hotel room, and your meals, but there are also the unseen costs of time taken off work, adjusting to your destination, and the stress of following your itinerary. Adding the cost of travel insurance to your bottom line might seem like just one more burden or added expense, but in the event you end up needing it buying the right insurance can be the best decision you make for your entire trip.
I personally don’t buy travel insurance that often. There was one trip that I did buy it. I was lucky that I did. My grandmother passed away the day before we were supposed to leave and because of that insurance, the cost of changing my ticket and the cost of my forfeited hotel nights was totally reimbursed.
So if you do buy insurance how do you know if the travel insurance you buy is right for you?
Before you buy any insurance policy for your trip you need to know what it is you're looking for. For example you need to make sure:
Knowing the positive aspects of your insurance policy is a good start, but you also need to be aware of the potential pitfalls that come with buying the wrong insurance for your trip. So when you're shopping for your insurance policy you need to be certain that you don't:
While it's tempting to skip buying travel insurance because it's an extra cost that you just don't want to have to deal with, it may be better to have it and not need it than to need it and not have it. Like in my case, you never plan on using this type of insurance…but it is nice to have when you need it.
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