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Travelling is all about the experience, and who’s to say that you can’t do it with travel insurance? You’re allowed to explore the world without that kind of financial protection if you choose to, but it doesn’t mean that you should do it. It even poses a greater risk if you’re travelling without health insurance.
Yes, many travellers won’t mind travelling without insurance. It’s one of the things that they don’t prioritize. They are confident enough that nothing will go wrong, and most of the time, they do return home happy and satisfied.
But what if an unfortunate incident happens, and you don’t have the financial capacity to handle it? That’s exactly the purpose of insurance. Without it, your travels plans can go astray, and you may end up getting broke. In line with that, here are things that you should be worried about if you’re travelling without insurance.
Medical Emergencies While in Another Country
Without travel insurance, you’re ACTUALLY travelling without health insurance. You may have a European Health Insurance Card (EHIC), but that won’t be enough to provide you with a cover if you need to seek immediate medical care.
Travel insurance helps you pay for the medical costs incurred during your travel. From medicines, stomach pains to surgeries, these are covered by travel insurance. Many policies will cover a minimum of £1 million. If you don’t have one, you’ll have to pay for all the expenses, including the trip back home, and that would be a big financial loss.
Sudden Changes in Your Travel Plans
It includes cancellations, delays, curtailments, missed departures, and trip abandonment. These scenarios happen every day, and they can happen to anyone when they least expect it. If you’re travelling, you have to prepare for the worst even before it begins.
By having travel insurance, you protect yourself from incurring simple yet distressing and expensive mishaps. It’s your best protection against these sudden changes. But if you don’t have one, you should be worried about the costs you have to pay on your own.
Personal Liability During Your Travel
When you travel, you don’t just sit in your hotel and watch something on the television. You do outdoor activities like going to the beach, motorbiking around the city, visiting famous tourist spots, and more.
While those are enjoyable moments, accidents can still happen. What if you have accidentally lost the rented motorbike, unintentionally hurt someone, or caused damages to someone’s property? These are personal incidents, and they are covered by travel insurance.
If you don’t have one with you, you’ll have to settle the disputes on your own and even pay for the damages you have caused. You should think about these situations beforehand, especially if your travel plans involve many outdoor activities.
The Takeaway
Travel insurance gives you security while travelling. Without it, your movements are limited because you’re too worried that something bad might happen. Instead of enjoying your vacation without worries, you try your best to play it safe because it’s too expensive to have mishaps. But it doesn’t have to be that way. From now on, prioritise getting a policy to ensure a worry-free travel adventure.
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Source by Neil Clymer
