Do I Need Travel Insurance?

The Misunderstandings and Benefits of Travel Insurance

When planning a vacation, cruise, or guided tour, travel insurance is often an overlooked part of the process. Many travelers either misunderstand what it covers or assume it’s an unnecessary expense.

At Get Going Travel LLC, we want to clear up the confusion and highlight the importance of travel insurance, ensuring that your dream trip is protected from the unexpected.

Common Misunderstandings About Travel Insurance

"I Don’t Need It" One of the most common misconceptions is that travel insurance is optional or unnecessary, especially for short trips or well-planned vacations. However, even the most organized trips can face unexpected hiccups—whether it's a medical emergency, a missed flight, or severe weather. Travel insurance provides peace of mind that these events won’t ruin your vacation or your finances.

"My Credit Card Already Covers It" While some credit cards offer travel insurance benefits, these are often limited in coverage. They may not include comprehensive medical coverage or trip interruption protection. Travel-specific insurance provides more extensive options, from medical evacuations to reimbursing non-refundable bookings for covered reasons.

"It's Too Expensive" Many people assume travel insurance is costly, but in reality, it’s often a small percentage of the trip's total cost—typically between 4-10%. For a modest investment, it can save you from far greater expenses like medical bills, flight cancellations, or lost luggage.

The Benefits of Travel Insurance

Trip Cancellation and Interruption Life happens. Travel insurance can cover cancellations or interruptions due to unforeseen events like illness, natural disasters, or job loss. Instead of losing the money you invested in the trip, you can recoup non-refundable costs, giving you the flexibility to rebook when you're ready.

Medical Emergencies International medical care can be expensive, and many health insurance plans don't cover you outside your home country. Travel insurance often includes medical coverage, ensuring that you’re protected in case of injury, illness, or even emergency evacuation.

Lost, Stolen, or Delayed Luggage Imagine arriving at your destination only to find your luggage delayed or lost. Travel insurance can help replace essential items and reimburse the cost of lost belongings, reducing the inconvenience of missing items during your trip.

Natural Disasters or Terrorist Events Unexpected global events like hurricanes, earthquakes, or even terrorist attacks can turn a vacation upside down. Many travel insurance policies cover trip cancellations or delays due to these events, helping to ensure your safety and protect your financial investment.

Coverage for Cruises and Guided Tours Cruises and guided tours are often more complex than a standard vacation, involving multiple bookings, schedules, and destinations. If your cruise or tour is delayed or canceled due to weather or other factors, travel insurance can step in to reimburse the costs or help rearrange your plans.

Making Travel Insurance Part of Your Plans

At Get Going Travel LLC, we believe that protecting your vacation should be as much of a priority as planning it. Travel insurance ensures that when things don’t go as planned, you won’t be left scrambling to recover from financial losses or disruptions. With customizable plans available to suit every kind of traveler, we recommend discussing your insurance options when booking your next trip.

Don’t let misunderstandings about travel insurance stop you from taking full advantage of its benefits. Contact us at Get Going Travel LLC, and we’ll guide you through your options, making sure your vacation is covered and your peace of mind intact. Safe travels!