Should I purchase travel insurance?
Should I Purchase Travel Insurance?
This is one of the most common questions we hear before an upcoming trip. Before 2020, many travelers felt that purchasing coverage was unnecessary because they assumed the risk of cancellation or disruption was low. But after COVID-19, when cancellations and unexpected disruptions became the norm, the value of travel insurance became very clear. Today, it’s an essential conversation we have with every Prince Adventures travellert.
The key word in every insurance policy is “unforeseen.” Insurance exists to protect you against circumstances you didn’t anticipate. Illness, injury, or even a family emergency may force you to cancel or cut short a trip. Flight delays, lost baggage, and medical bills abroad can add stress and unexpected costs. As travel professionals, we’ve seen it all: claims for cancellations, hospital stays, even last-minute evacuations. That’s why we recommend travel insurance for every one of our travelers. In fact, we purchase it for ourselves whenever we travel.
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What Insurance Covers
Travel insurance offers different levels of protection, depending on what’s most important for your trip. A few key areas include:
Trip Cancellation & Interruption: Protects against non-refundable losses if you need to cancel or cut your trip short due to illness, injury, family emergencies, or other covered reasons. Some plans even offer Cancel For Unforeseen options, giving you added flexibility.
Medical Coverage Abroad: Many travelers don’t realize their health insurance at home won’t cover costs in another country. With travel insurance, you’ll be reimbursed for out-of-pocket expenses like hospital stays, prescriptions, or emergency transportation. In many destinations, you may be required to pay upfront unless you have proper coverage.
Lost, Delayed, or Damaged Baggage: Helps cover the cost of replacing essentials if your luggage goes missing or is delayed during your travels.
The Credit Card Insurance Myth
Many travelers assume that the “travel insurance” included with their credit card is all they need. While credit cards may provide some coverage, the protection is often limited—and rarely as comprehensive as a stand-alone policy. For example, your card might cover flight delays but not medical evacuation. Or it may have strict rules about trip length, destinations, or how much of the trip had to be purchased on that card to qualify. Even if it does cover your needs, it may provide only a small maximum amount, leaving you out of pocket for modest to luxury trip expenses.
Our tip: Never assume your credit card coverage matches your expectations. Always review the fine print, and let us help you compare it against a true travel insurance policy.
Why We Recommend It
Travel is one of life’s greatest joys, but it also comes with unknowns. Insurance is not about expecting the worst, it’s about peace of mind so you can enjoy your journey without worry. At Prince Adventures, we’ll walk you through the options and help ensure you choose coverage that fits your trip, your lifestyle, and your comfort level.
Because in the end, insurance isn’t just about protecting your trip, it’s about protecting you.