Travel insurance protects against cancellation of the holiday.
If you have to cancel the trip for an important reason, the insurance will cover the costs. This applies not only if you, as an insured person, cannot travel with you, but also if a person close to you cannot travel. Cancellation is possible even for other important reasons.
Insurance pays for additional costs.
If, for example, the airline goes on strike and you have to travel with a plane other than the one actually booked, the insurance will cover the additional costs incurred. These can relate to the actual travel costs, but also the costs that are incurred, for example, for an additional night in the hotel.
Fellow travelers are also insured.
If your partner or another accompanying person does not have their own insurance, they can also be insured. This means that only one policy has to be taken out, all travelers are protected. This is made possible through parcel insurance such as family insurance. This means that the person traveling with you also enjoys the full insurance cover that applies, for example, in the event of an accident, death, illness or sudden loss of job.
Advance costs are borne.
Many hospitals abroad require an advance on the costs that will arise from the treatment. The insurance provides help and advice to those affected, but also the necessary financial means. Because advances in treatment costs are covered by travel insurance.
The luggage is insured.
Surely you can do the theft abroad? also secure with household insurance and have therefore adequately protected luggage. Luggage insurance includes a fixed amount that can be agreed upon, which can be used in the event of late arrival of the luggage. If the most important utensils have to be bought at the travel destination because the luggage does not arrive on time, the insurance pays for it.
Advice and service are offered.
Anyone who has a breakdown or an accident abroad is dependent on help at the latest if he or she does not speak the local language. Travel insurance offers experts who are available by phone or e-mail and can provide advice on how to proceed. So nobody is on their own and knows what to do.
Conclusion
Travel insurance is surely dispensable in many cases. But there are also some cases in which they are not exactly that and in which travelers are or were happy to have taken out this insurance. Traveling is more relaxed and financially secure. Even in the event of unforeseen events, at least nobody has to worry about the financial side.
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