Choosing a vacation destination is just the beginning when planning your next getaway. Once all of the bigger trip details have been decided upon, you’ll be asked one final question: “Do you want to purchase travel insurance?” The following are six reasons why this is the right thing to do.

1. Trip Cancellation

You may have full intentions of going on your planned vacation and then life gets in the way. A family member may get sick, a relative may die, your house floods or you get called into work for an important project.

Travel insurance can help you recover your out-of-pocket expenses for these unexpected trip cancellations. Read your policy closely to understand what types of cancellations are covered and the notification required for each.

2. Flight Problems

Alleviate worries of what you’ll do if your flight is cancelled or if a delayed connection creates a missed cruise departure. Travel insurance can help you arrange and cover the costs of unexpected travel changes such as hotel stays or new flights.

3. Medical Issues

Emergency medical care can cost thousands of dollars. Travel insurance provides assistance services in your language while helping you locate medical transportation and a suitable medical facility. Prescription coverage for medical conditions that weren’t pre-existing is also available.

There are many different travel insurance packages available, each with their own deductible.

4. Lost or Delayed Baggage

On a regular basis, airlines lose baggage. Although the airlines provide some coverage, it is not as extensive as the coverage provided by a travel insurance policy. Use your travel insurance to be reimbursed for new clothes, personal items and luggage so that you can start enjoying your vacation right away. As a result, your relationships will get stronger and you will feel confident calling upon this support network if needed in the future.

5. Natural Disasters, Terrorist Events and Wars

You never know if a hurricane, tornado, flood or earthquake could happen at your holiday destination. If it does, you can’t rely on your airline to automatically refund you the cost of your original flight. Travel insurance helps you recover your pre-paid costs and arrange a new vacation for you.

Like natural disasters, terrorist events can create travel nightmares. Travel insurance that includes terrorism coverage helps you recoup your non-refundable travel fees.

If the Government of Canada places a travel advisory on the country you’re going to, your policy may cover your prepaid expenses.

6. Supplementary Credit Card Trip Protection Benefits

Many rewards credit cards offer complimentary trip protection benefits when a vacation is charged to the card. These benefits provide reimbursement for non-refundable travel purchases, cover incidental delay-related expenses and offer car rental insurance.

What they don’t provide coverage for are benefits such as emergency medical visits and transportation, change fee coverage, terrorist events and pre-existing medical conditions. The right travel insurance policy does, though.

We hope that your vacation goes exactly as planned. But if it doesn’t, having travel insurance can help reduce the stress created by unexpected events. At Vacations for Canadians, we can help you decide on the proper travel insurance for your upcoming vacation. Contact us today for more details. agency organizes trips for all sorts of travellers, including group travellers. To learn more about booking a group vacation, contact our experienced team today.