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Travel insurance: Five reasons to ensure you’re covered

There is a whole host of reasons that travel insurance should be an essential part of your travel plans.


A large number of travellers head abroad each year without taking into account the fact that injuries as minor as a broken bone can cost thousands in treatment whilst abroad, turning that dream holiday into a financial nightmare.

We chatted to the experts at Downunder Insurance about why they recommend travel insurance to all travellers.

Medical coverage

This is perhaps the single most important reason to purchase travel insurance before travelling. If you fall ill or have an accident whilst you are abroad, medical fees could set you back large sums of money.

For example, did you know that the average cost for a broken arm in the United States is £25,000? Unless you have that kind of money lying around, it’s better to take the safe route and purchase a travel insurance product that can cover you whilst you travel.

Trip cancellation and curtailment cover

Imagine that you are abroad and you find out that a close family member is critically ill or has died back in the United Kingdom. What do you do? Paying for early flights back can be prohibitively expensive, meaning you may struggle to return in a timely fashion.

This can be even more problematic if you are on a long-term trip abroad, as it may mean you cannot return home for an extended period of time. Most travel insurers offer the ability for you to return home in this situation, meaning you can head abroad knowing you’ll be able to return home as quickly as possible should something happen back home.

Travel insurance to cover for your possessions

There are a wide number of reasons you might have to claim on travel insurance whilst abroad, but one of the most common is the loss, theft or damage of personal possessions. It can be a really upsetting experience if you are targeted whilst abroad, but with travel insurance, at least you can be sure you will be able to at least recoup the value of the items that have been taken or damaged.

Cover For Your Baggage

There is nothing more inconvenient than reaching your travel destination and finding out that your baggage has been delayed, or even worse, lost. Travel insurance covers you for such eventualities, meaning you have the ability to head out and buy new items in your new destination, allowing you to continue with your holiday with minimal fuss. There’s no need for that lost luggage to ruin your holiday!

Travel insurance for peace of mind

With far too many travellers failing to take our travel insurance and encountering issues whilst on their holiday abroad, there’s nothing better than heading away knowing you are covered for nearly every eventuality.

Whether you require medical assistance, lose your luggage, have to cancel your holiday, encounter legal trouble, miss your departure, or encounter theft, mugging or even a hijacking incident, if you have travel insurance you can be comfortable knowing you are protected whilst you travel abroad.

Don’t be another statistic – ensure you purchase travel insurance before you travel abroad this or next year.



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