Is Travel Insurance a Smart Buy?

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According to Allianz Travel, one of the nation’s largest travel insurance companies, travel insurance protects you from financial risks, both large, and small. 

Risks as small as lost or delayed luggage, or as large as last minute trip cancellations or health emergencies. 

Over the years, I have learned the importance of trip insurance due to last minute cancellations, and as I age, I worry more about making “big” plans and not feeling well enough to travel when the time comes to leave. 

I don’t want the fear of the unknown to keep me, or my family at home, we really love to travel, and travel is important in our lives. 

I have had lost and/or delayed bags a few times, and honestly never minded shopping in my new destination area for pajamas and an outfit or two, but the good thing, now that I travel insured, is that I can be reimbursed for my new duds! The airlines never offered that!

In 2005, I learned my lesson about traveling without travel insurance. I was in Reno, NV for a writer’s conference, and my mother’s health deteriorated quickly, back home in Louisiana. The doctors said that I needed to come home immediately, that my current travel date, two days away, would likely be too late. 

I lost the remainder of my paid nights at the hotel, and had to pay a few hundred dollars to catch an earlier flight back to Houston, then rent a car to travel the last 3 hours to her hospital room. 

Frazzled, I made it home in time, thankfully, but all of the details would have been much easier, had I just been able to call my travel insurance company. 

Hopefully, nothing as difficult as that health related emergency will happen again in my lifetime, but if it does, I will be prepared. 

I have close family members with serious health issues, and I am happy to say that they are on a 7 day Caribbean cruise, as I write this post. Fully insured, should they need to be life-flighted back to the states at any time. That gave them, and the rest of us a much greater sense of security. It also gavevthem back the freedom to travel. That is priceless. 

There are limitations, of course. Travel insurance does not cover every situation that may arise. Travel insurance is for unforseeable situations, not incidents that you could have foreseen and planned around. 

There are many plans available, and many levels of plans. Whether you just want cancellation insurance in case of bad weather (hurricane, and you bought insurance before there was a named storm) or sudden illness, there is sure to be an affordable plan to fit your needs. I recommend purchasing travel insurance for your next trip. The security is worth every penny. 

Check out plans with my affilate link to Allianz Travel http://fxo.co/1136359/sisterhood


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  • Teresa January 9, 2019 at 12:51 AM

    I totally agree. Insurance covers much more than you realize. On a recent trip to Bora Bora my underwater camera worked perfectly for our swim with sharks excursion. Not so much two days later for our helmet dive. Although i was forced to buy the pictures from our tour company to remember our helmet dive my camera was promptly replaced when i returned back home by my travel policy. Ready for my next adventure. I have also used the insurance on another trip to see a doctor on a cruise ship. It really does give piece of mind.

    • gethealthyllc January 10, 2019 at 3:30 AM

      Awesome! I never would have thought about it covering your camera!

  • Mijia Eggers January 5, 2019 at 6:24 PM

    I always have a travel insurance with me. It is just a couple of Euro per year on top of my usual medical one. It is useful because it will covers basically everything on the road trip.

    • gethealthyllc January 10, 2019 at 3:31 AM

      I agree, very smart.

  • Jordin January 4, 2019 at 7:45 PM

    Travel insurance gives me peace of mind knowing that I’ll have that little extra support if anything were to go wrong while traveling. I always shop around to see what are the new deals and rates.

    • gethealthyllc January 10, 2019 at 3:32 AM

      Us, too. It is a lot of reassurance, for not too much of an investment.

  • Annie January 4, 2019 at 1:16 PM

    This is very good advice. Paying for insurance is a pain BUT not having insurance when a unexpected situation arises is even worse. My daughter got sick on a 7 day cruise. I was reimbursed for every penny I spend on on-board medical care.

    • gethealthyllc January 10, 2019 at 3:32 AM

      Wow, glad your daughter was able to receive good care, and you were reimbursed!

  • Kelly January 4, 2019 at 6:54 AM

    I am lucky in that I have the medical insurand through work. But I agree with you and I always but more to cover cancellation due to elderly parents and lost baggage. Insurance is a must when travelling.

    • gethealthyllc January 10, 2019 at 3:33 AM

      I agree. Unforseen circumstances are the biggest reason to get the insurance, for sure.