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.

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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.

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BY  Mashum Dec 29, 2021

The year was 1980, June 13th when the Gonzalez family came from Cuba on a shrimp boat from Mariel Harbor Cuba. After 15 hours of struggle in the stormy black sea, they finally reached their destination: Key West, just 90 miles from their home Cuba.  As soon as they reached America, they started working hard towards their dream, their dedication led them to opportunities that would lead them to share their essence of Cuban culture with authentic Cuban cuisine, that they serve to people right from their kitchen table.   Their motive is one and one thing only, to make everyone feel and like the cultural impact they have made on people. And hopes to bring back those again but with family and friends this time.  In this article, I will be giving you details on 90 Miles Cuban Cafe such as reviews, menus, and their price. 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Everything has its positive and negative sides, so is this 90 Miles Cuban Cafe. in the below section I have mentioned positive reviews and to continue I have pointed out the negative reviews as well that customers have made, in order to give a clear picture to the future customers.  Positive Reviews  The ambiance of the cafe is perfect to share deep thoughts while having a Cafe Con Leche.  The services are fast, as they understand the urgency, well enough.  The interior gives a welcome vibe from Cuba to everyone.  The staff are amazingly friendly, and quickly come to the rescue if anyone is facing any trouble of any sort.  The home delivery options are pretty fine.  There are many dishes to choose from. They maintain the same taste every time one repeats an order.  Negative Reviews The delivery option is fine, but it takes time which naturally frustrates the customers and they end up giving bad reviews.  The cafe is not pet-friendly.  The music in the background does not quite always match the environment, which ruins the mood.  The food is sometimes overcooked or burnt.  The outside of the cafe doesn’t look that interesting.  The cafe is small in size, therefore it looks crowded, and eventually, people avoid it.  90 Miles Cuban Cafe- Menu The menu brings amazing cuisine that brings water to your mouth. Dishes that are served in the 90 Miles Cuban Cafe are very good. People who have marked them negatively also mentioned their respect for the food. Here we go with the menu. Appetizers  Calamar criollo. Croquetas. Papas Rellenas. Masitas de Puerto. Tuna ceviche.  Empanadas. Patatas bravas appetizer Mariquitas  Tamal  Salads and Soups  90 miles salad. Ensalada de salmon. Sopa de cherna. Sopa de Pollo.  Sopa de Ajiaco. Sandwiches  Cubano sandwich. Medianoche Sandwich. Guajirito sandwich. Bistec de Palomilla Sandwich. Bistec empanizado sandwich. Frita Cubana burger. Pan con Lechón sandwich. Pollo sandwich. Pescado sandwich. Veggie sandwich. Grilled cheese sandwich. Vegan burger.  Croqueta sandwich.  Entrees  Bistec de palomilla entrée. Ropa vieja entree.  Camarones al Ajillo entrée. Chuletas fritas entrée. Lechon Entree  Pollo a la plancha entrée. Tofu and veggies entree.  Bistec de Palomilla Empanizada.  Pollo A la Plancha Empanizado.  House Speciality  Fricase de pollo. Puerco rosado. Rabo encendido.  Masas de Puerco. Salmón a la plancha.  Vaca frita  Pargo. Churrasco.  Salmon Frutal.  Sides  Half avocado Frijoles negros.  Arroz Blanco. Arroz Amarillo. Congri.  Yuca con mojo de Ajo.  Yuca frita. Papas fritas.  Tostones.  Maduros.  Sweet potato fries.  Pan con mantequilla.  Deserts  Bread pudding.  Chocolate flan.  Sweet empanada. Tres Leches cake slice.  Vanilla flan. Coconut flan.  Triple chocolate cake slice.  Beverages  16 oz americano. 16 oz café con Leche. Cafe Cubano.  Colada.  Cortadito.  Hot chocolate.  Passion Iced tea.  Salida del sol.  Hot tea  Latin soda. Tropical shake.  Soda.  Platter  Cubano platter.  12 empanadas platter.  20 empanadas platter.  Appetizer platter.  90 Miles Cuban Cafe- Prices Here I give the prices so that you get every necessary detail from one place.  The appetizer section starts from 4 dollars to 15 dollars.  The soups and salads section starts from 7 dollars to 21 dollars.  The sandwich section starts from 12 dollars to 15 dollars.  The entrees section starts from 18 dollars to 26 dollars.  The special menu section starts from 19 dollars to 35 dollars.  The sides section starts from 4 dollars to 6 dollars. The desert section starts from 4 dollars to 10 dollars.  The beverages section starts from 2 dollars to 4 dollars.  The platter section starts from 28 dollars to 60 dollars.  Wrapping It All Up Here you go with the reviews, menus, and prices of 90 Miles Cuban Cafe.  Apart from the busy life, you live every day, once in a while in 90 Miles Cuban Cafe can make you relax, because of the food and the culture. Foodies are often into finding new places where they can taste new dishes and make a vlog about them.  This article is for all kinds of people. People who are in continuous search of a new place to dine in and also for those who need a good cafe location to quickly deal with a business matter and also for those who need a reunion spot. You cannot really get drunk there as they don't serve alcohol.  Leave a comment below in the comment section and let us know if you have found this article useful and also share your experience if you have been in 90 Miles Cuban Cafe. 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