Never travel without a travel insurance. For many years I traveled the world trusting my home insurance was well enough. I thought it was a good enough protection, and why should anything happened to me. To day I know better! Why? because I learnt it the hard way. For some months ago I visited Skellefteå in the northern Sweden. The journey went well and I was happy until I landed at the destination. I walked to the luggage band and bag after bag arrived but not mine.
After I made an complainant about delayed luggage I went to the city to buy what I needed for the night. But I had made the mistake to by the ticket thru Klarna instead of my American Express card so I didn’t have any travel insurance thru the purchase. I needed to rely on my home insurance. A quick call and I could by what I needed for the fantastic amount of 50 Euro. That’s more or less a pair of underwear a toothbrush and a deodorant here in Sweden. If I had used my American Express instead I could have been buying necessitates for 300 Euros. So guess if I blamed my self for the mistake.
What does an travel insurance cover more?
So obvious a travel insurance covers for delayed or in worst case lost luggage. But for what more is it good?
- You get ill or injured, then you really want a good travel insurance. Make sure it covers an expensive hospital visit and transport back home.
- Your flight get delayed or cancelled. Yes the airline should give you a hotel room and food vouchers if the flight is cancelled or delayed a specified time depending on your flights distance. For intraeuropean flights it’s usually two hours. But with a good travel insurance you van get so much more and better. Making the waiting time, well if not fun so at least comfortable.
- You need to get home quick. Maybe an relative have got ill and you need to get back home quick. With out an travel insurance you will need to buy an expensive ticket. With one, the insurance company will get you on a flight home to those closest to your heart.
- Some crazy driver bumped into you rented car and drove away. Know you need to deal with it. A good travel insurance will take care of it by reimburse your expenses.
For al the reasons above I never travel without a travel insurance. So buy an extra travel insurance before your next trip, or make sure your credit card has a good one.