Travel & Health Insurance: Do I Really Need It ?


Traveling is one of life’s greatest pleasures, whether it’s a weekend getaway or a long-term trip around the world. However, unexpected events can happen while traveling, such as lost luggage, illness, accidents, or flight cancellations, which can be stressful and costly. That’s where travel insurance comes in, providing peace of mind and financial protection in case of unforeseen circumstances.

What is travel insurance? We shall in more detail as you continue reading.

I only see travelers traveling abroad buying travel insurance and health. That too because your visa application process demands mandatory insurance. But the same is not true for domestic travelers. Since there are no strict rules, we tend to avoid buying insurance plans.

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Well, I don’t have authenticated statistics, but what I could gather from the reports and articles is not at all overwhelming.

30-50% of the travelers become ill or injured whilst travelling. The risk of severe injury is thought to be greater for people when travelling abroad.

What does travel insurance cover?

Travel insurance normally covers travel, the medical and dental expense incurred by travelers abroad and arranges aero-medical evacuation of travelers under conditions specified by the travel insurance policy. Since it could burn holes in your pocket, it is advisable to read their policy and check for what is covered and about exclusions. The importance of travel insurance cannot be overstated. Here are some reasons why:

Medical Emergencies: Medical emergencies can occur at any time, anywhere, and can be very expensive, especially if you’re traveling abroad. Travel insurance provides coverage for medical expenses, including hospitalization, surgery, and medication. It also covers emergency medical evacuations, which can be necessary if you’re in a remote location or need specialized medical treatment.

Trip Cancellation or Interruption: Sometimes, you may need to cancel or cut short your trip due to unforeseen circumstances, such as a family emergency, illness, or extreme weather conditions. Travel insurance can reimburse you for the non-refundable portion of your travel expenses, such as flights, accommodation, and activities, helping to ease the financial burden.

Lost or Stolen Luggage: Losing your luggage can be a nightmare, especially if you’ve packed essential items or valuables. Travel insurance can cover the cost of lost or stolen luggage, including replacing your belongings or reimbursing you for the cost of purchasing new items.

Travel Delay or Missed Connection: Flight delays and missed connections are common issues that can disrupt your travel plans and result in unexpected expenses, such as hotel accommodations or alternative transportation. Travel insurance can provide coverage for these costs, helping you to get back on track and continue your trip.

Legal Assistance: In some cases, you may require legal assistance while traveling, such as if you’re involved in an accident or face legal action. Travel insurance can provide coverage for legal expenses, including legal representation and court costs.

Peace of Mind: Perhaps the most significant benefit of travel insurance is the peace of mind it provides. Knowing that you’re covered in case of unexpected events can help you relax and enjoy your trip without worrying about the what-ifs.

In addition to the types of coverage listed above, some travel insurance policies may also offer additional benefits such as 24-hour emergency assistance, travel assistance services, and concierge services. These services can provide valuable support and assistance while traveling, such as help with booking flights, finding local medical facilities, or arranging for emergency travel arrangements.

Travelers are not covered abroad by their health insurance, worker’s compensation, and third-party and other personal liability policies. Few countries provide reciprocal medical and dental arrangements of free health care to travelers. Some of the countries provide a full range of rapidly accessible healthcare services, including aero-medical evacuation.

Travel insurance for international journeys covers the expense of your travel, medical treatment or even evacuation in the event of misadventure or ill health.

Travel insurers can assist in organizing, coordinating, or financially guarantying travelers’ medical care and keeping the relatives informed.

 The domestic traveler should also be covered by travel insurance, which will take care of unavoidable economy ticket cancellations “with no refund” tags due to illness.

Travel insurance, therefore, is a financial security for travelers against-

-costly claims for medical and related expenses

-costly aeromedical evacuation which sometimes requires specialized aircraft, medical and nursing escorts, assistance with legal, customs and immigration.

The bottom line is: no one should travel uninsured.

How do I get travel insurance?

Travel insurance should be obtained well before leaving the country and there are good numbers of insurance companies around to help you get covered.

The travel insurance policies are available for individual journeys or as an annual policy to help frequent flyers to get rid of buying policies time and again.

The travelers are advised to seek a travel insurer that has international coverage for medical care and aeromedical evacuation; particularly for the traveler’s destination.

How much does the travel insurance cost?

When purchasing travel insurance, it is important to carefully review the policy details to understand what is and is not covered. Some policies may have exclusions or limitations that may affect your coverage, so it is important to ask questions and clarify any doubts before making a purchase.

Travel insurance should be taken at the top level whereas we prefer the other way, we take the bare minimum assuming that all the wrong things will happen to others except me.

It should actually cover a lot; all medical, dental costs, personal liability, cost of aeromedical evacuation, loss of income, travel rearrangements, transport of relatives and daily allowance, loss of baggage and even the carriage of body or the ashes after death.

What does Travel Insurance cover & What Not?

It is important that travelers don’t have unrealistic expectations of their travel insurance policies. Even the top-level insurance policies do not cover travelers against such things as travel to war zones, self-implicated injuries, unlawful act, certain infectious diseases such as Acquired Immune Deficiency Syndrome(AIDS) and sexually transmitted infections, pregnancy  and participation in professional sports.


When considering travel insurance, it is important to consider the potential risks and expenses associated with your trip, as well as your budget and level of coverage needed. Some factors to consider when choosing a policy include your destination, length of trip, activities planned, and any pre-existing medical conditions.

It is also important to compare travel insurance policies from different providers to ensure you are getting the best coverage at the best price. Some policies may offer more comprehensive coverage, while others may have lower premiums or higher deductibles.

Ultimately, the decision to purchase travel insurance will depend on your individual needs and preferences. While it may be an additional expense, travel insurance can provide valuable protection and peace of mind while traveling, helping to ensure that you are prepared for unexpected situations and emergencies that may arise.

In conclusion, travel insurance is a critical aspect of any trip, providing financial protection and peace of mind in case of unexpected events. Whether you’re traveling for business or pleasure, domestic or international, investing in travel insurance can help you enjoy your trip with confidence and security

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