Why You Should Always Consider Travel Insurance for Your Next Vacation

It’s no secret that travel has become more expensive in recent years. Between rising airfare, resort costs, and everyday expenses, saving for your dream vacation takes more effort than ever. So, do you really need to spend extra on travel insurance?

My answer: yes, you usually do. Here’s why travel insurance is one of the smartest investments you can make for your next trip.

Protect Your Vacation Investment

When you purchase travel insurance, you’re protecting your hard-earned money. Most vacation packages, cruises, and special promotions are non-refundable once booked. If you need to cancel or experience a delay, you could lose every dollar you’ve spent without a travel protection plan in place.

In most cases, adding a vacation protection plan is the only way to receive any kind of refund or credit. Some plans reimburse you in the form of future travel credits that can be used within a specific time frame.

It’s also important to note that the cost of the travel protection plan itself is non-refundable, regardless of whether you use it or not.

What Type of Travel Insurance Is Right for You?

Most major travel vendors offer a built-in vacation protection plan when you book your trip. However, there are also third-party travel insurance providers that may offer more comprehensive or customizable coverage.

The best option depends on your travel style and trip details—not all policies cover the same things. For example, some include “cancel for any reason” coverage, while others focus on trip delays, medical emergencies, or lost luggage.

Your travel advisor can help you review your options and point you to the details of each policy. Keep in mind that advisors can’t interpret policy language or provide legal advice—they can only guide you toward the best resources from the insurance provider itself.

If you travel multiple times a year, look into annual travel insurance plans. These can be a more affordable and convenient option for frequent travelers.

What If You Buy Travel Insurance and Don’t Use It?

Honestly, that’s the best-case scenario! Most travelers never have to use their policy—but those who do are grateful they had it.

Here are a few real-life examples of when travel insurance can save the day:

• Trip cancellations: Life happens! Illness, family emergencies, or unexpected events can force you to cancel.

• Flight delays and missed connections: Travel insurance can help reimburse unexpected hotel or meal costs.

• Medical emergencies abroad: Hospital visits or emergency evacuations in another country can cost thousands without coverage.

• Lost luggage: If your suitcase doesn’t make it to your destination, your plan may help cover replacement items.

The peace of mind alone is worth it.

Is Travel Insurance Worth It?

In most cases, yes—travel insurance is absolutely worth it. It’s a small expense compared to the cost of your full vacation and can save you from major financial losses if something goes wrong.

When you’re planning your next trip, don’t skip this step. Ask your travel advisor to walk you through your options and make sure your vacation is fully protected.

Have Questions About Travel Insurance?

I’d love to help you understand your options and connect you with the best protection plan for your next trip.

✨ Let’s make sure your dream vacation is stress-free—from start to finish.