Benefits of Buying Travel Insurance

When planning a vacation, it’s important take the time to plot out every detail, from the hotel accommodations and airfare to the daily itinerary. The reason a vacation takes so much planning is because traveling with more spontaneity leaves too much to chance. Even with detailed plans, any number of things could go wrong. Fortunately, travel insurance can help alleviate anxiety and ensure that travel plans stay on track.

Get Deposits Back

Often, making travel reservations require paying a deposit or paying the full price in advance. This is true with airlines and the majority of hotels around the world. It’s a practice done to protect the business by ensuring the plane seat or hotel room will be booked. One of the best features of travel insurance is the reimbursement it offers for canceled reservations. After obtaining this type of insurance, travelers can rest assured that they won’t lose those deposits if they do have to cancel their vacations.

Get Home Fast

Another common feature of traveler’s insurance is trip interruption coverage, which can be used if there becomes a need to get home suddenly. Perhaps someone becomes ill or there’s an emergency at work or home, but the vacation has just started! Trip interruption coverage will provide coverage for the higher costs and extra expenses of traveling back home in a hurry. It can also be used to cover the extra costs that would incur if traveling companions also have to return home. Continuing with a vacation could become twice as costly without this type of coverage.

Receive Medical Treatment

Even if people have health insurance, it may not help them if they get injured abroad. While some insurance providers do offer coverage for those traveling outside of the U.S., there are many insurers that won’t offer international coverage. These insurers include Medicare, though some Medicare supplements will offer coverage outside of the country. The best alternative is to buy travel insurance that will pay medical treatment costs up front. This can ensure a physical injury or illness won’t result in financial worries as well.

Emergency Transportation

Accidents happen! A mountain-climbing adventure or hike through the rainforest could result in an unexpected injury. Getting emergency help to travel to a remote location might be both difficult and expensive, but travel insurance will cover this expense. The insurance will cover the cost of a medical evacuation, which would otherwise represent a significant cost and might bring an early end to any vacation.

Loss Coverage

While travel insurance is more comprehensive than flight insurance, it does carry some of those basic protections as well. Primarily, it will reimburse individuals for lost, stolen, or damaged possessions. This is common in most travel insurance policies, because airlines routinely lose luggage. While they make every effort to recover the missing items, there’s no guarantee the luggage will be found or that it will be returned in the same condition. Lost possession coverage will reimburse people for the value of their losses up to a limit they select.

Pet Coverage

This is a non-standard feature to inquire about, as not all policies offer this type of coverage. Many people bring their pets with them when they travel, which is why some travel insurance policies do offer pet coverage. If Fido gets ill on vacation, coverage may help offset the costs of a vet visit. Additionally, pet owners may be able to obtain some liability coverage in the event their pets bite or scratch someone during their trips. While a pet may be well-behaved most of the time, being in unfamiliar surroundings may make him nervous and unsettled. Pet coverage can help owners ensure their furry friends have happier vacations.

Identity Theft Protection

Thieves and scam artists target tourists more often than anyone else. This is especially true in regard to identity theft, which is why most policies offer protection against identity theft. Interested individuals will have to discuss these specific policies with their insurance providers, something that should be done in advance. Taking the time to understand how to be protected abroad can make a getaway safer all around. Insurance providers may also offer tips on staying safe on flights or hotels.

You’ll Never Be Alone

Exploring a new culture can be fun, but it can become intimidating when things go awry. However, a traveler’s insurance provider will have representatives available 24 hours a day. No matter what kind of emergency crops up, insurance-holders can access a friendly voice. The representative will be able to offer advice or suggestions, even for matters that may not be covered by a holder’s specific policy. Sometimes, just having access to a sympathetic ear is enough to help determine a course of action.

Final Thoughts

Buying travel insurance only costs a small percentage of the total value of a vacation, so it’s not a significant expense. In return, it provides peace of mind in knowing that virtually every emergency will be covered. While traveling without insurance is possible, spending a few extra dollars to get coverage is well worth it. Otherwise, it’s possible to become stranded in an unfamiliar place with nowhere to turn for help.


History Facts - The Holy Roman Empire

  1. The Thirty Years' War consisted of conflicts that took place between 1618 and 1648. The battles occurred mainly in Europe and are regarded as one of the most violent struggles in history. Ironically, it started merely as a minor conflict between Catholic and Protestant states.
  2. What started as an isolated battle within the Holy Roman Empire would eventually drag in all the great powers of Europe at the time. It began when Ferdinand II was elected the Holy Roman Emperor and demanded the application of religious unity.
  3. The Protestant Bohemians elected Frederick V, while Catholic countries united under the Catholic League, supporting Ferdinand II. From that point on, a slew of religious conflicts ensued. Things were getting out of hand, and soon coalitions were formed, turning the battles into a full-scale war.
  4. The peace of Augsburg was finally ratified in 1555. It ended the religious battles between the Catholics and the Lutherans in Germany. All the leaders of German states would choose either of the two religions and their subjects were bound to follow them.
  5. The peace of Augsburg may have ended the violence between the Roman Catholics and the Lutherans, but another religious doctrine had started to make waves throughout the German lands: Calvinism. They too had to fight against Catholic and Protestant leadership to protect their freedom.
  6. The Holy Roman Empire's rule wasn't as comprehensive as we are led to believe. Of all the states under its name, it only directly handled the affairs of the Kingdom of Bohemia, the Archduchy of Austria, and the Kingdom of Hungary.

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