Travel Insurance: What Is It and Why You Should Get One

Jun 11, 2021

Last Updated on: Feb 3, 2025

Trip ideas

You probably heard a lot about life insurance, car insurance, and home insurance. In case you don’t know, there’s another type of insurance that can protect you and your personal items during travels—travel insurance.

Keep on reading to learn more about this insurance policy and how can you benefit from it.

What Is Travel Insurance?

What Is Travel Insurance?

As the name suggests, travel insurance is a plan that covers the financial risks and losses associated with travelling, either domestically or abroad. Examples of such risks include delayed flights or luggage, lost or damaged luggage, flight cancellations, and medical emergencies.

Here are a few things you should know about travel insurance:

It’s not a one-size-fits-all product. Travel insurance policies have varied benefits, stated exclusions, and limitations. Typically, plans don’t cover everything you might do or experience when you travel, including:

  • Seeking medical treatment outside the home country
  • Travelling to countries included in the “Do Not Travel list”
  • Extreme sports where the chance of death or injury is high
  • Pre-existing medical condition and pregnancy-related conditions
  • Any behaviour under the influence of alcohol or unprescribed drugs
  • Circumstantial exclusions, such as war, military actions, riots, and more

It can’t cover every possible situation. Trip insurance covers losses due to global health emergencies and natural disasters, given that you purchase before such events occur. Most policies also don’t cover lodging or accommodation snafus, ticket scams, overbooked flights, and many other things.

3 Reasons to Insure Your Next Trip

3 Reasons to Insure Your Next Trip

Many people see travel insurance as an unnecessary expense. The truth is, it’s as essential as life insurance. The only difference is that it protects you from the possible uncertainties—be they accidental death or injury, lost or stolen luggage, trip cancellation, and more—while you’re on your travels.

Let’s break down the reasons to ensure your next trip:

1. Travel Worry- and Hassle-free:

1. Travel Worry- and Hassle-free:

Travelling is good for mental health. It helps you take a break from stressful situations, reflect on your personal goals or interests, and feel more relaxed and content, among other benefits.

While travelling is a good stress-reliever, it can pose various risks to health and safety, depending on both the characteristics of the traveller and on the type of travel. For instance, you may get sick due to the sudden change in temperature or get injured during the vacation.

Such medical emergencies can spoil your much-awaited holiday fun. What’s worse is that the money allocated for your vacation will be used to pay for medical expenses.

But if you were sensible and weighed up the pros and cons of various providers in order to get travel insurance that works for you, then you won’t have to worry about dealing with emergencies while travelling. Most travel insurance policies cover doctor and hospital expenses and work in conjunction with your health insurance, it’s just about what extras you may or may not need depending on where you’re travelling.

Not all health insurance plans provide full coverage in foreign countries. In fact, some health plans provide no coverage at all. A trip insurance plan, on the other hand, can cover you for accidents and emergency medical care when you travel in any part of the globe.

2. Protect Your Personal Belongings:

Have you ever lost a phone or other personal stuff during a trip? Believe it or not, you’re not alone. According to the 2015 Statista survey, U.S. travellers have had their items (i.e., smartphones, credit card, debit card, license and passport) lost or stolen while travelling.

The likelihood of losing personal items during a trip is high as sending a text message to the wrong person. Why is that so? It’s because we, people, get distracted when we’re at the height of our emotions. We lose sight of the bigger picture because we’re too focused on one thing—either composing a text or having fun under the sun.

Thankfully, travel insurance assures you that your personal belongings remain protected, even when they went astray. The insurer can help pay for replacement items when your stuff is lost or stolen, provided that you didn’t leave your items unsupervised or unattended.

Below are a few instances that most trip insurance plans cover:

The rental car damage or loss. Comprehensive travel insurance plans have an add-on option for rental car collision coverage if the rental car is damaged in an accident.

Baggage damage. Should your baggage become damaged in transit or airline, your insurance policy will help you get compensation for this.

Luggage delay. If your luggage is delayed, you can be refunded up to the policy’s benefit limit to purchase essential items you need while waiting for your bags to arrive.

3. Manage Trip or Flight Interruptions:

3. Manage Trip or Flight Interruptions:

Are you the type of traveller who gets concerned about your trip being cancelled and other interruptions, like losing your entire vacation investment or remaining travel arrangements due to certain reasons? If yes, then you need a trip insurance plan.

Unforeseen circumstances may happen. For example, your family member gets sick, and you have to make last-minute cancellations, or an emergency occurred that you have no choice but to cut your vacation short.

Here’s the good news. Travel insurance can provide reimbursement for trip cancellation as long as the reason for cancellation is covered by your policy. The most common covered reasons include:

  • Illness, injury, or death of you, a travelling companion or a family member
  • Inclement weather preventing you from reaching your destination
  • Sudden terrorist attack or strike at your destination

Travel with Peace of Mind:

Whether you’re planning a short get-away or a long trip abroad, never hesitate to insure your travel. Getting a travel insurance plan can give you peace of mind and let you enjoy your ultimate break from the hustle and bustle of the city.

Read Also:

Share on Social Media

Abdul Aziz Mondol is a professional blogger who is having a colossal interest in writing blogs and other jones of calligraphies. In terms of his professional commitments, he loves to share content related to business, finance, technology, and the gaming niche.

Leave a Reply

Your email address will not be published. Required fields are marked *

title-img Related

READ MORE Helicopter Tour

New South Wales Southern Highland Helicopter Tour

BY  Abdul Aziz Dec 7, 2020

Australia is a beautiful country with a lot of sights to see, but if you are at a point where it is all starting to look the same, perhaps it is time to see things from a new perspective. Nestled up close to Australia’s biggest city is a remote area that can only be fully appreciated from the air and the very best way to do that is from a helicopter. Taking a helicopter tour of the Southern Highlands is just the thing to wake up the adventurer in you and a great thing to do with someone close to you. Here are some of the features you can expect on a helicopter tour of the Southern Highlands. Sydney From The Air: You may think you know Sydney, but have you had the opportunity to look at it from the air. From the wide windows and low altitude of a helicopter, you will get a new look at the iconic Sydney Harbour, the downtown core, and the 2000 Olympics site. Photography: Do not forget to bring your camera. If you have never been on a helicopter before. You will be pleased with how much easier it is to get those amazing aerial photographs through the helicopter’s wide, nearly 360-degree view. On a helicopter experience for two, you will have full access to the scenery during the 90-minute flight. Three Sisters: One of the main attractions of the Southern Highlands is the Three Sisters at Katoomba, which is a spectacular rock formation that can be seen from lookout points on the ground, but in a helicopter, you get a view from all sides and a view of the beautiful valley that surrounds them. Legend has it that three maidens were transformed into a rock to save them from an angry neighboring tribe. But the witch doctor who transformed them was killed so they could not be changed back, a truly tragic tale for the young ladies. Jamison Valley: No visit to the region would be complete with a look at the majestic landscape of the Jamison Valley. Sharp sandstone cliffs down towards the Cox River which become Lake Burragorang created by the Warragamba Dam. Blue Mountains: The Blue Mountains are legendary for their vast eucalyptus forests and the iconic blue haze that gives them their name. The haze is created by eucalyptus oil that is released and suspended in the air. The result is a very specific blue filter over the whole area, making it a wonderful opportunity for scenic photography. Warragamba Dam: Constructed between 1948 and 1960, the Warragamba Dam is the main water supply for Sydney. It is a marvel of engineering, 142 meters tall and nestled aesthetically into the canyon walls of Lake Burragorang. The dam and lake can only be appreciated properly from the air and you will receive the full view as you arrive from the Jamison Valley. A helicopter tour is the most exciting way to explore this rugged region of New South Wales, and the only way you can see it all at once. You will be amazed at what beauty lies so close to Australia’s most vibrant and populous city. An experience like this won’t be soon forgotten. Read Also: The Best Tips To Travel Around The World 9 Things Every Traveler Should Know When Visiting Shanghai Should You Book a Hotel or an Apartment for Your Vacation? 15 Best Places For Adventure Dates With Your Loved One

READ MORE

Best Time To Visit New York: Know New York Weather By Month

BY  Abdul Aziz Sep 16, 2021

What is the best time to visit New York?  Well, the answer is tricky. Google will tell you that the shoulder seasons are the best time to visit New York.  New York is indeed delightful from April to May and September to October. However, a seasoned traveler knows that New York shows its beauty across all seasons.  For example, you may spend the most happening Christmas in New York. So, for you, of course, December is the best time to visit New York.  So, New York is a year-round destination, and the best time to visit New York depends on the experience you want and the places in New York you plan to visit.  Best Time To Visit New York: Plan Your Trip Right The temperature in New York is always pleasant, and it is always fine for us to visit New York.  Having said that, New York has some specialties in every season. When To Visit New York City? If you are asking for my recommendation? Then I would recommend from April to June, September to early November is the best time to visit New York. During this period, the temperature in NYC is quite pleasant. But you might find the crowd a little uncomfortable during this season. But if you wish to visit New York at low expenditure, then from mid-Jan to the end of Feb is the most fitting travel season for you. If you are looking to visit New York in the best season possible, you need to plan well in advance for your hotel bookings. New York sees a lot of tourists during the best seasons hence it is best that you work on the hotel and travel bookings with cozycozy.com. This will ensure that you have the best stay in New York City. In my opinion, September is the best time to visit NYC.  Let us check some of the best times in New York City which we can enjoy the most.  2. Best Time To Visit New York For Good Weather Conditions The good weather in New York is usually found from May to October although from July to August it is usually very hot and humid. This time period can not be considered the best time to visit New York.  If you are visiting New York during the Spring, you are in for a treat. The bustling Central Park, the high-energy Wall Street, and other attractions really come into their own. Open Bus Tours in New York City can be enjoyed during this period. The same will take you through the major city spots and allow you to enjoy the food, culture, and history of the place. Further, Autumn, with all the leaves turning yellow and red, is the season of festivals, including Halloween and the Rockefeller Center Tree Lighting Ceremony.  So, here, I present a table featuring the highest and lowest temperatures in New York by month. MonthHighest Temperature (°C)Lowest Temperature (°C)Rainfall (Number of Days)January5-38February7-27March1038April1889May22159June271710July302110August292011September29157October25106November1756December1008 3. Best Time For Sight Seeing In New York Summer and winters are both have different flavors essences. For the travel thirsty people, every season is the best time for sightseeing of course obviously without natural calamity. April to November is the best time for sightseeing in New York. However, the months of June, July, and August may throw some restrictions on outdoor activities as the days of rainfall are higher in these months. 4. Best Time To Explore The Nightlife Of New York The best time for nightlife in NYC has no boundaries, it can be done throughout the year. The nightlife in NYC throughout the year looks magnificent and unbelievably beautiful. The night charm of New York City is full of entertainment. Manhattan is a popular area where you are going to get hundreds of street sidebars along with discos and pubs. Most of these pubs and disc are remain open for the whole night. If you want to spend your whole night, focus on Manhattan city to enjoy your entire night with good food and drinks. Best Time To Book Hotels New York is one of the most expensive places to visit in the world, so one should make plans beforehand. You must find out the best hotels in New York or the best hotels for a family stay in NYC.  You can Google or use apps to find out the best hotels in New York.   Best Time To Do Shopping In New York New York is famous for its bargain market. At most shopping plazas, sales are available at least twice a year in New York. So there is no such great time to go shopping in New York. New York is famous for shopping, so don’t worry, you are likely to meet any of the sale seasons whenever you visit are heading towards New York.  Brookfield Place is the best shopping plaza for travelers. And Manhattan is the best place where you get the whole package of the entertainment shopping mall to restaurants everything is present in the same place. Best Time To Avoid Crowd In New York  People usually do not like to visit New York during the chilly winter months that is from January to mid of March. Usually, most of the families going to New York do not like to get into the crowd, or it is actually difficult to go sightseeing in very winter and the crowded places in New York. The plus point of going to New York during crowd time is that you will get air tickets at a cheap cost, plus the stay in New York would be cheap. New York City Events And Festival  As I have already told you beforehand the new York is a great place to be all throughout the year. But especially the events and the festival of New York City make the place even more charming and cheerful. Let’s Start month-wise, this information is something which I collected when I went to New York. Best Things To Do In New York In January There is always something or the other going on in New York throughout the year. But in January, some special events happen in New York. Out of everything that happens in the January season, I have chosen some of the best things to do in New York in January.  New York is anyway famous for its Jazz Fest, which is held in more than 11 venues. Birdland and Blue note are the most famous jazz pub in New York. In the entire month of January, there are at least 100 shows that are put up. There some Broadway shows.  You can attend the Broadway show with one more person paying for one person.  In the month of January, January is the best month to enjoy food, during this month. An entire week is solely dedicated to the Restaurants, which is why this week is called Restaurant’s week in New York. Best Things To Do In New York In February As of February sets in the fashion week sets in New York, It is actually great to find out about New York’s Fashion Week which is held in the month of February. All the best Designers of the world showcase their masterpieces in this fashion week.  * The March and April months remain quite less-festive, there is barely any such eventful event that you will be covering in your visit. Then again the events set in from May month onwards.  Best Things To Do In New York In May The three major things that happen in the month of May are the Ninth Avenue International Food Festival, Washington Square Outdoor Art Exhibition, and Fleet Week. These events are taking place in New York in the month of February. These three festivals are facing innumerable visitors from all over the world. Hence, these events are famous all across the world. worldwide, so do not forget to visit this event to get a worldwide traveling experience. Best Things To Do In New York In June And July This is the peak time when a lot of people fly to New York, so the most amazing events are hosted at this time. The events are Belmont Stakes, Pride Festival and March, Shakespeare in the Park, NYC Restaurant Week, Lincoln Center Out of Doors Festival.  Best Things To Do In New York From September To December This is the best time to visit New York and is famous for the festive season, right from festivals to celebrations. There are many best things which you can do in New York from September to December. Such as the village Halloween Parade, Rockefeller Center Tree Lighting Ceremony, Ice Skating Rinks, Holiday Window Displays, New Year’s Eve at Times Square, New Year’s Eve Fireworks. These all are the events of New York which New York events are make helping to make the mood of the travelers. This time the aura of New York amazingly becoming unique and lovely.  New York has many places that people are unaware of. But if you are in New York, then do not forget to visit Maryland and Manhattan. It is advisable to make a wise decision by choosing the best time to visit New York according to you. These places are extraordinarily beautiful, and there are many things to do in New York, which I will discuss in my next article. If you like this article, then keep tuned in to Tour and Travel Blog for more insights on New York. FREQUENTLY ASKED QUESTIONS (FAQs) What is the cheapest month to visit New York? As you know the cheapest month of the year that is suitable to visit New York is from January to March. In these three months the costs of both flight and hotel are average for the whole year.  Where should I stay for my first trip to New York? Here is a list of places, Middle Town Upper East Side Chelsea and Greenwich Village Soho and Lower East Side Queens How many days do you need in New York? You actually need three days to see the main things in New York. If you want to cut the three days in two, that can be done as well. Should I stay in Times Square? Absolutely, with no doubt. The main reason to stay in Times Square is for the location. You are basically in the heart of the city. It's a tourist attraction. At night it is perfect for walking with holding hands with your loved ones. You May Also Like:  Top 7 Places To Visit For An Asian Solo Traveler Top 7 Nantucket Beaches For Tourists In Massachusetts 10 Things To Do In Bogota – You Must Know Before Going

READ MORE adventure ideas

15 Most Exciting adventure Ideas To Go With Your Friends

BY  Mashum Oct 21, 2021

In these difficult times as well as the world where it has become so busy with work. People barely have time to chill and have some adventurous fun with friends. Running only behind money and work will not keep you healthy mentally.  For that, you have to hang out with your friends and do thrilling things that you can later tell your children, while you all sit in the same room. The most important thing you need for yourself is when you can say in the end after doing something crazy “ I am glad I did this, it was so cool”. Life is not all about serious things, they are part of life. The other part is where you can enjoy yourself with your favorite people and do incredible things like fly in a spitfire over some incredible landscapes. Let’s dive into the article where I will mention 25 crazy, adventurous things you can try with your friends. Go get a vacay and enjoy! Here are some adventure Ideas To Go With Your Friends 1. Go Ice-Cross Karting The chilling ice, provoking you to take the challenge of riding a kart, crisscrossing your way through. Imagine zooming down a smooth road. What is the fun in that? The real thrill is when the road will be full of frozen lakes. You and your friends waving at others saying ‘I'll race you is an amazing feeling. Though frozen lakes are pretty dangerous and can cause an accident anytime, that doesn't mean you will not take risks in life. This activity falls under adventure ideas. If you are up for the adventure. Continue reading. 2. Megavalanche Bike Racing Remember the song by Kaleo? ‘Way down we go’. There is only one way you can while participating in the Megavalanche bike ride….DOWN!. Imagine the freezing sharp pin-like air hits your face as you are on your bike just forward towards the bottom of the mountain.  The Megavalanche race is held every year in the French Alps at the Alpe D’Huez ski resort. Make a plan with your friends for fun adventures like this. Go ride that bike! 3. Upper Antelope Canyon When you think of American Canyon there is a usual picture that pops up in your mind, but if you are thinking something precise. The Upper Antelope Canyon in Arizona is the place you and your friends must visit. It has a narrow slot and a petrified sand dune. The sand dune got its beauty from the wind and water that has carved her for millennia. Get the guide of Navajo, they hold tours seven times a day. This is most desirable adventure ideas with your friends.  The best time is the morning when the rocks come alive by the kiss of the bright gleam of light. 4. World’s Largest Video Screen  Leave it to Las Vegas when it comes to doing the craziest thing. It has the biggest video screen turned into a giant disco where the Fremont Light Tunnel is about 460 meters long. Go get theta crazy sound and light show with your pals. They change the program every day but there is still a chance where you might find yourself in the world’s coolest and craziest LED block party!  5. Drinks And Axes Most of the beer bars have dart boards in there, but not in Louisville! They have something better and bigger, axes to throw at a dart-board-shaped board.  It is located in a warehouse, a huge space to do this activity as well as drink several beers.  Think of this scenario: you and your friends drinking beer and throwing axes on the dartboard! How crazy is that?. Don’t worry it’s a safe place, people don’t die there They have a strict ‘ no drunk people policy’, if they see that you are way too drunk, you won’t be allowed to do the activity.  Be careful about it and one of you from the gang, keep checking on others. 6. Silverton Narrow Gauge Railroad For more than 120 years a tiny engine has been puffing through canyons of Colorado.  You and your friends can easily be on board and enjoy the beautiful jaw-dropping scenario of the one and only Durango and the railroad. This steam engine is the only engine in America that runs the Silverton Narrow Gauge Railroad, in the San Juan Mountains. Just like it used to in 1882. 7. Kayak With Orcas Kayaking in Johnstone Strait on Vancouver Island, Canada for weekend adventure ideas is going to be the best decision ever.  If you and your friends are into dolphins and orcas then better not leave this place out.  It is the most beautiful place to watch orcas in their natural habitat. Kayaking is the best way to explore the place as you will witness dolphins, seals, curious orca, and minke whales. 8. New River Gorge Bridge  It was established in 1977 and at that time it was the highest bridge in the world. Now, the world has many other high bridges to compare. So what, if the Gorge bridge is no longer the highest one? I am sure it has the same impressive sight. The bridge’s steel beams are nearly 300m upwards. Imagine standing together, holding hands, and promising each other to always live life to the fullest. You can’t appreciate the construction unless you are standing right under it. 9. Camp In Siberia The stunning nomadic tribe of reindeer herders named Nenet has lived for centuries. It is just above the Arctic circle on the Yamal Peninsula. 2018 was the first of the reindeer’s life when they allowed human interactions, they invited more travelers upon their land.  Plan a camp in the village of Labrovaya. Spend the entire night under the starry sky and find the beautiful beast just outside your tents, when you wake up.   10. Nepal’s Nubra Valley  Have friends and carry a bigger camera. Visiting Ladakh is not a big deal, it's just a tiny kingdom located in the Himalayas.  This compact scenario makes the Nubra Valley a special place that is surrounded by boulders and mountain peaks that also has a sandy expanse. There are few companies that provide the service of camels riding past tiny habitats and clear mountain streams. Together with friends, you can enjoy the place to its best. 11. Taiwan’s Sun-Moon Lake The location of sun-moon lake is just epic, it is nested high in Taiwan’s central mountain range. It is protected by jungle-covered slopes. But the magic begins at dawn, the blue water turns to gold because of the sun. Sitting there and talking about life among friends would be such a stress reliever. No wonder why CNN has ranked this place as one of the best on the entire planet. 12. Hang Son Doong This place is famous for its cave which is the biggest one in the world. No one actually knows the size of it. The cave has its own world inside of it, it owns a river and a jungle.  So huge that it can easily fit a 40 storey skyscraper inside. This place was not known by anyone until the British cave searchers found it in 2009.  You and your friends yelling each other's names which echoing, this feeling is like ‘top of the world’. This is worthful adventure ideas with your buddies. 13. Ras al-Jinz Have a love for animals? And curious about the endangered species? Pack your bags and Ras al-Jinz. Sea turtles are the main focus here. Hawksbill, Green and Loggerhead turtles call this place their home. They come to the sand from the sea, dig holes and lay eggs there. To watch this beautiful process of nature even in a better way, the Ras al-Jinz sanctuary is the best place to visit. Click pictures of the turtles and your gang together. 14. The Omo Valley  While many city people are busy in their fast-forward life, the tribes of Omo valley live their traditional way in peace. Goats are still herded on the dry, rough savannah scrub, the famous jumping of the bulls ceremony happens here as well as the Mursi warriors stretch their lips with lip palates.  This is one of the best adventures to go on with friends. On market days the tribes exchange goods using a barter system. This kind of scenario should not be missed, because we don’t have any traditional way to live life anymore.  15. Spirits In Chile A spiritual place is always a bit more exciting for adventure ideas. It’s normal for a group of friends planning to visit the mystical Chiloe.  The place has its own way of showing beauty, once you are in there it won’t feel like the rest of the world.  The morning starts with dense fog. The countryside can be heard whispering about myths, ghost ships, legends, and forest gnomes, Wow!. The place is so spiritual that the energy is very different there, so most people can’t connect with the place and therefore there is no crowd.  Conclusion  The article is for a bunch of friends who are planning a vacation together. It is no crime to ditch your work for a bit and enjoy life with the people you trust most. Here I am share top 15 adventure ideas. These are the places for an adventurous trip and adventures to have for sure. Forget the crowded world and dive into peace. ‘Keep your circle small and beer cold’. Leave a comment below and share your experience with us. Read More: Why You Should Move To San Diego Why You Should Travel as a Couple How to Fund the Cost of Travelling 10 Travel Tips For Singles At This Valentine’s Day How To Plan A Best One Day Trip To Atlanta With Family?