Why Every Traveller from the US Needs Travel Insurance
Travelling from the US can be exciting, but it also comes with risks that could lead to unexpected expenses. Most travellers assume that their health insurance will cover them abroad, but the reality is that most domestic health policies don’t offer adequate coverage in foreign countries. In such cases, travel insurance becomes crucial, and every traveller from the US should invest in it before heading abroad.
What is Travel Insurance?
Travel insurance is a policy that covers potential financial risks that a traveller may face while on a trip. Such risks include trip cancellations, medical expenses, lost luggage, or accidents. Travel insurance comes in various forms, including basic, mid-range, and premium. Basic travel insurance offers minimum coverage, while premium packages offer comprehensive coverage and additional benefits.
Why do US Travellers Need Travel Insurance?
US travellers need travel insurance because their domestic health insurance policies may not cover them abroad. Many US health insurance policies offer either limited coverage or no coverage for international travel. Therefore, if a traveller falls ill or gets injured while travelling abroad, they will have to pay for their medical expenses out of pocket, which can be very costly. Additionally, many countries, especially those in Europe, require travellers to have travel insurance before granting travel visas.
Benefits of Travel Insurance
Travel insurance offers several benefits to travellers. These benefits include:
Medical Coverage
Travel insurance provides medical coverage for emergency situations that may arise during a trip. Medical coverage can include emergency medical and dental expenses, emergency medical evacuation, and medical repatriation.
Trip Cancellation Coverage
Travel Insurance also covers trip cancellations due to covered reasons, including sudden illness, injury, death, or severe weather. This coverage reimburses travellers for the non-refundable portion of their trip.
Lost or Stolen Luggage Coverage
Travel insurance covers lost or stolen baggage, which means that the traveller will be reimbursed for the cost of their lost or stolen belongings.
Conclusion
In conclusion, it’s essential for every traveller from the US to invest in travel insurance before heading abroad. Travel insurance provides coverage for various risks, including medical expenses, lost luggage, and trip cancellations. It’s important to choose a travel insurance package that offers adequate coverage for such risks. By investing in travel insurance, travellers can have peace of mind knowing that they are covered in case of unforeseen events while travelling.
