Photo by gourabstock

I guess I have been lucky in that of all the times I have traveled somewhere be it car, train or air, I have never had an incident where I actually needed or even thought about getting traveler’s insurance. When I think of all the things that could have gone wrong, I wonder why it never occurred to me to purchase some.

Recently, I was contemplating taking an overseas and rather expensive trip and one of the things the tour company discussed was the purchasing of protection. That prompted me to think about it more carefully and to do a little research into why it might be a beneficial thing to have.

When planning an expensive trip months in advance there are a number of things that could happen. What if plans change – an accident, illness, weather emergency? What happens then? What if you get to a place and your luggage doesn’t? What if you are in a tropical place and a hurricane hits? What if you are involved in an accident? Does you own medical insurance cover you?

I think that for the majority of times, most travel worry free. Yet, there is that old adage “better to be safe than sorry”.

Anyone out there have an experience where having insurance saved the day? Or, on the other hand, anyone have a sad tale about not having it and wishing you had? I’d like to hear what you think.