Travel insurance is important for everybody from people who are on a working holiday visa to travelers making a trip overseas to seal a deal. However, not all travel insurance is the same. Some of it can be more expensive (but still worth it) for people with bad credit. That’s why it’s important to get an online credit report before you get travel insurance.
But why would anyone need travel insurance anyway? Isn’t it just a gimmick by online marketing people? These are common misconceptions about travel insurance, which is why I’m sharing some reasons why it is a good idea to get it:
While travel insurance will not protect against bodily harm like kidney theft (though this is mostly an urban legend), it will protect you if your items get stolen or damaged, for example in the airport while being loaded onto the plane. Some of these things might be critical to returning home safely and securely.
If you are unlucky enough to be a victim of a terrorist attack but are lucky enough to survive it, your things might be destroyed. You could be left with no passport, no money, no Internet connection, and only the clothes on your back. Without travel insurance, you will have no way of getting home. Especially if your accent or dialect is shared by multiple countries, such North American English in the United States and Canada or Austro-Bavarian in Austria and Bavaria, you might have even more trouble getting home if your passport is destroyed with your possessions in a terrorist attack.
Losing your passport
Imagine you are in a foreign land and you lose your passport. It does not have to be from a terrorist attack or theft. Maybe it is because you are from Hong Kong and hold a British National (Overseas) passport and you have it in mainland China. The Chinese authorities confiscate it because they do not recognize BNO passports. You then make your way to the British embassy on foot into South Korea and do not have your passport. With travel insurance, you might be able to get funds to contact somebody to help you out. However, you will be out of luck if you do not have travel insurance and might be stuck in Korea for a while.
What if your passport expires while you are away in another country? Similarly, maybe your country ceases to exist while you are away and you become stateless. If this happens you could have nowhere to go to, but you could contact friends at home with funds provided by travel insurance.
This is a guest post by Murray Newlands. Murray is the CEO and Founder of Influence People, an online marketing, public relations, and video marketing firm based in the heart of San Francisco’s high tech district.
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