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Is Travel Insurance Necessary

Updated: Jul 16, 2023

If you are a vacationer, seeking eccentricity or an empty nester seeking a truly unique and thrilling experience; at across N abroad Travel (, those services and many others may be provided to you. Guaranteeing excellent customer service is a pillar in my travel agency’s provisions. Being an avid traveler myself, visiting numerous destinations both domestically as well as internationally, I know the importance of travel insurance, particularly in the political, hurricane, and terrorist climate today, and I believe we should take a journey down the road and speak on a few key factors pertinent in exploring. What good would I be as your travel agent if I didn’t take the necessary steps to provide you with all travel information, allowing you an informed opportunity to book and successfully visit your dream destination? Herein I’ll discuss four topics you may not have known about travel insurance from a pin to an anchor.

Do we need travel insurance?

First, let me define travel insurance so you are aware of what we are discussing at great length. According to “Investopedia”(n.d.), travel insurance is “an insurance product designed to cover the costs and losses, and reduce the risk associated with, unexpected events you might incur while traveling.” Now what does that mean? You may be wondering, in layman’s terms, its coverage and protection provided for you during travel, right? Now the question is, is it needed? Forbes online covered an article wherein Geoffrey Morrison, after experiencing a less than adventurous ordeal, deemed it worth it! Of course, it all depends on what happens during your vacation, how you seek the covered amount, and you may face uphill battles, he lamented.

Is there a travel insurance app?

Yes, there are a few out there, but those that actually work include the following, one is provided in the United States, Allianz Global Assistance Travel App. Whilst two are Australian-based yet accessible nevertheless,

Tripwise and Travel Guard. They are all a quick means to an end, allowing you to view your policy in the palm of your hand like a true technologically savvy traveler.

What does your travel insurance cover?

Truth be told, that would be determined by your insurance provider, so speak up, ask questions, and get informed. However, I can shed some light on the usual basic coverages, including cancellations, medical expenses, evacuations, loss or delays, and 24/7. Cancellations typically entail “injury or illness of the insured, reimbursable, travel companion, family member, or business partner, hurricane or natural disaster strikes destination, terrorism or mandatory evacuation of destination, jury duty or military redeployment” among a flurry of other reasons. Loss or delay protection provides coverage for baggage as well as travel delays.

Does my credit card cover travel insurance?

Your credit card is a means of transaction of any kind. Short answer, yes. Credit cards cover most transactions, be they online or otherwise, in this case, your travel insurance policy. However, I recommend you ask your credit card provider for what they offer and compare it to a company like Allianz Global Assistance, whose business is to sell travel insurance specifically. And depending on the plan you choose will cover whatever kind of adventure you choose—business or pleasure, cruise or tour, international or domestic. If I had to leave you with one nugget about if travel insurance is necessary, I would say yes and always read your confirmation and certificate carefully for specifics about the policy you’ve purchased.

So, I hope we covered any lingering questions you may have had regarding travel insurance, its necessity/requirement, its basic coverages, and its method of payment. Partnering with a provider helps protect your travel plans and valuables when the unexpected happens. If you are interested in speaking with me further on the matter, head over to our website at and send me a message. Like us on Facebook at to say hello.


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