8 december 2023    •   TIPS

Why You Should Never Leave Home Without International Travel Insurance

Travel insurance is a must-have for anyone planning to travel internationally. It provides essential coverage and protection against various risks and concerns that can occur before or during your trip. When planning international travels, you invest a significant amount of time and funds into making it a memorable experience.


However, unforeseen circumstances can arise, jeopardizing your plans and putting your investment at risk. This is where your travel insurance plan plays a crucial role in ensuring that you are protected. Protect your investment with a policy that includes:



1. Trip cancellation coverage

One of the main reasons why travel insurance is important is its coverage for trip cancellations. Life is unpredictable, and situations like illness, or natural disasters, can force you to cancel your trip or change travel dates. Without travel insurance, you may suffer financial losses from non-refundable, prepaid expenses such as flights, accommodations, and activities. Having travel insurance can help you recover these costs and minimize any financial burden when unexpected events occur.

2. Financial protection for lost or delayed baggage

Baggage delay or loss is an unfortunate but common occurrence during international travel. Without travel insurance, replacing your belongings can be costly. However, travel insurance provides coverage for lost, stolen or delayed baggage, allowing you to be reimbursed for the costs of replacing essential items.

3. Emergency medical expenses covered

Another key benefit of travel insurance is its coverage for medical emergencies. Falling ill or sustaining an injury while traveling can be stressful, especially in a foreign country where healthcare costs can be high. Travel insurance ensures that you have access to emergency medical care and even emergency evacuation if needed, without the burden of substantial medical expenses. It offers financial protection against unexpected medical costs, allowing you to prioritize your health and well-being.

4. 24/7 customer support

As mentioned, international travel can be unpredictable, and having access to assistance and support at any given time is invaluable. Travel insurance offers 24/7 customer support for emergency needs and travel-related queries. This means that you can reach out for assistance if you encounter any issues, such as flight delays, lost passports, or health emergencies. The presence of round-the-clock support provides peace of mind, knowing that help is just a phone call away.

Benefits of Travel Insurance for International Travelers

Travel insurance is not just for emergencies. Savvy travelers get themselves insured as they know it also offers several other benefits. By understanding these perks, you can make informed decisions and enhance your travel experience.

Coverage for trip interruption and travel delays

Travel plans can sometimes be disrupted due to unexpected situations like flight cancellations, missed connections, or severe weather conditions. When these issues occur, your insurance can offer coverage for trip interruption, providing reimbursement for unused portions of prepaid expenses. It can also cover additional expenses such as accommodation and meals during travel delays, helping you avoid unnecessary financial stress.

Protection against travel document loss

Losing essential travel documents like passports, visas, or identity cards can be a nightmare during an international trip. However, travel insurance can provide financial assistance for obtaining replacement documents, reducing the impact of such incidents on your travel plans. This coverage ensures a smoother and less stressful process when dealing with lost or stolen travel documents.

Emergency medical evacuation and repatriation

In the event of a severe illness or injury during your trip, travel medical insurance can cover the cost of emergency evacuation to a suitable medical facility or even repatriation back to your home country if necessary. This ensures that you receive the best available medical care, regardless of your location, and provides peace of mind knowing that you are protected even in critical situations.

Protection against rental car mishaps

If you plan to rent a car during your trip, travel insurance can provide coverage for rental car mishaps. This can include damage to the rental vehicle, theft of personal belongings from the car, or even liability coverage if you are involved in an accident. Having this additional layer of protection for rental cars can save you from unexpected expenses and potential legal ramifications.

Financial protection for sports or adventure activities

If you're an adventurous traveler who enjoys engaging in activities like hiking, scuba diving, or skiing, or any sport* involving an increased risk of accident, travel insurance can offer coverage for potential accidents or injuries incurred during these activities. Regular health insurance may not adequately cover such pursuits, but travel insurance can provide security by mitigating the financial risks associated with these activities.

By considering these benefits of travel insurance, you can ensure a smoother, more protected experience. It's crucial to explore different insurance products and choose a policy that aligns with your specific travel needs and preferences.

Image source: freepik

How Travel Insurance Saves You from Financial Burdens

One of the significant advantages of having travel insurance is its ability to save you from potential financial expenses that can arise during your trip. It provides essential coverage for various situations, ensuring that you don't have to bear the full financial consequences of unexpected events.

Protection against medical expenses

Medical emergencies can be expensive, especially when they occur in foreign countries with high healthcare costs. Without proper coverage, you could find yourself facing significant medical bills, which can quickly spiral out of control. However, with travel medical insurance, you are covered for emergency medical expenses, ensuring that you receive the necessary care without incurring substantial financial burdens.

Reimbursement for trip cancellation or curtailment

Life is unpredictable, and there may be circumstances that force you to cancel or interrupt your trip. Without travel insurance, you could lose the non-refundable, prepaid expenses associated with your travel arrangements. However, travel insurance provides reimbursement for these costs in the event of a covered reason, saving you from a significant financial loss.

Coverage for lost or delayed baggage

Lost or delayed baggage is not only inconvenient, but may also result in unexpected expenses. Travel insurance offers coverage for lost or stolen baggage, providing reimbursement for the costs of replacing these items. This coverage ensures that you won't have to bear the financial burden of replacing your belongings if they go missing during your trip.

Emergency assistance without hefty expenses

When faced with emergencies during your trip, such as natural disasters or accidents, having travel insurance means you have access to emergency assistance without incurring hefty costs. Whether it's medical evacuation, repatriation, or contacting a 24/7 helpline, travel insurance can provide the necessary assistance to help you navigate through challenging situations without breaking the bank.

Avoidance of liability claims

In certain situations, you may unintentionally cause damage to property or harm someone while traveling. You could be liable for the resulting expenses, which can significantly impact your finances. However, travel insurance offers liability coverage, protecting you from the financial burden of third-party claims and legal expenses.

Being insured means you can enjoy your trip knowing that you are protected from potential financial burdens. Understanding the coverages included in your travel insurance policy can help you make informed decisions and avoid unnecessary cost.

What to Look for in an International Travel Insurance Policy

Choosing the right policy is essential to ensure that you have adequate coverage during your trip. Here are some key factors to consider the next time you purchase travel insurance:

It offers comprehensive coverage for medical emergencies

Look for a travel insurance policy that offers comprehensive coverage for medical emergencies. This includes coverage for emergency medical expenses, evacuation, and repatriation. Ensure that the policy covers pre-existing conditions, if applicable, and provides sufficient medical coverage to meet the healthcare costs of the destinations you plan to visit.

Includes coverage for trip cancellation and interruption

Make sure the travel insurance policy provides coverage for trip cancellation and interruption. This coverage should protect your non-refundable, pre-paid travel expenses in case of unforeseen situations such as illness, accidents, or natural disasters. Review the policy's list of covered reasons for trip cancellation or interruption to determine if it aligns with your needs.

Provides emergency assistance and support services

Consider the level of emergency assistance and support services provided by the travel insurance policy. This should include a 24/7 helpline for travel-related queries and emergency assistance. Look for additional services such as help with rebooking flights or finding local medical facilities. This is particularly useful when traveling with the elderly or young children.

Always read and understand the policy terms and conditions

Thoroughly read and understand the terms and conditions of the travel insurance policy before purchasing. Pay attention to any exclusions, deductibles, or limitations that may impact your coverage. Ensure that the policy aligns with your specific travel needs and provides the necessary coverage for the countries you plan to visit and activities you intend to participate in.

If unsure, seek advice from well-traveled friends or family members. By carefully assessing these factors, you can choose a policy that meets your specific requirements and provides the coverage you need for a worry-free trip.

Secure Your Travels with Oona

As the travel industry continues to recover from the impact of the global pandemic, travel costs will keep rising, making insurance an essential investment for travel in 2024. The rising costs for trips this year emphasizes the need for financial protection.

International travel insurance provides coverage for medical emergencies, trip cancellations, lost luggage, and other unforeseen expenses. And when it comes to international travel insurance, Oona stands out as the provider offering the most comprehensive coverage in 2024. Oona should be your go-to choice for:

  • Extensive coverage options

  • Flexible plans

  • Exceptional customer service

  • Competitive pricing

So never leave home without travel insurance in 2024. It is an investment that ensures your financial well-being, safeguards against unexpected travel issues, and provides the support and assistance you may need. Prioritize securing your travels with comprehensive coverage and embark on your adventures with confidence, knowing that Oona's travel insurance has your back every step of the way.

*Such sports may also include: abseiling, ice-skating, off-road mountain biking, ice hockey, canyoning, bobsleighing, rodelen, downhill skiing and langlaufen on the normally marked public open pistes, snowboarding, big foot skiing, ballooning (as an organized excursion), and mono-skiing.


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