Single Trip Travel Insurance: Do You Really Need It For Short?

It’s a question many people ask: “Why pay extra for single trip travel insurance when you’re only spending a week or two – or even less – outside the country?”

Good question. In this day and age of the Internet, travel websites and budget flights to almost anywhere in the world, people are making their travel plans all by themselves, adding and removing travel essentials that used to be automatically included by the travel agents. Unfortunately, in this book-it-yourself trend, proper insurance cover is the one thing many people tend to overlook.

Here are a few reasons why you should seriously consider out single trip travel insurance for your trips abroad – especially if you’re traveling to another continent, or with your family.

Medical Care

When it comes to medical care, not all countries are created equal. In fact, travellers know that not every country or locale they visit may have the same level of medical care and other conveniences readily available. When you’re properly covered, you can be assured that in case of sudden sickness or accidents, appropriate and quality medical care is accessible and affordable. A good example is if you get sick in a rather remote location, you will certainly be covered for emergency medical services, including transport to good hospitals.

Because You Never Know

Another of the more important clauses that should be included when looking at insurance is the coverage for flights back home in case you miss flights due to sickness or accident. This simply means that should something happen in another country, the cost of transport back home after medical treatment (when the plane ticket has presumably expired and is non-refundable) is shouldered, as well as that for medical treatment or for continuation of medical treatment.

Another eventuality that many single trip travel insurance policies cover is that of liability in case of accidents. Everyone knows that involvement in accidents in a foreign country for which you are presumably liable can be quite expensive, especially if you are a foreigner.

A Quick Run Down

Some more benefits of making sure you have appropriate cover are:

1. Flight issues. Cancellations, curtailment, delays, losing your ticket or luggage or perhaps being trapped in a middle of a storm or having to spend a night at a place against your will (and outside your budget) are among the basic things for which you will need cover. It will ensure that you can afford these eventualities, including accommodation costs as well as a refund for the full amount or a portion of your prepaid costs.

2. Cancellations due to bankruptcy. In this very unpredictable world with fluctuating economies, you are never quite sure of the fiscal health of that airline or travel agency. Even for a short trip, single trip travel insurance can ensure that should they fold before you get to go home (or go!) you get your money back.

3. Security for the family in case of death. Sure, no one wants to think about it, but in case something happens to you, single trip travel insurance can make sure your loved ones are provided for. Modern aeroplanes are safe, but they still crash- and some life insurance policies may not cover this eventuality. You will want to make sure that if this happens, wherever it happens, you’re insured!