What to worry about when traveling without travel insurance

Travel is all about the experience, and who says you can’t with travel insurance? You can explore the world without that kind of financial protection if you want to, but that doesn’t mean you have to. It poses an even greater risk if you travel without health insurance.

Yes, many travelers won’t mind traveling without insurance. It’s one of the things they don’t prioritize. They are confident that nothing will go wrong, and most of the time they go home happy and content.

But what if an unfortunate incident occurs and you don’t have the financial strength to deal with it? That is exactly the purpose of insurance. Without it, your travel plans could fail and you could end up out of business. In line with that, here are things to worry about when traveling without insurance.

Medical emergencies in another country

Without travel insurance, you REALLY travel without health insurance. You may have a European Health Insurance Card (EHIC), but it is not enough to insure you if you need immediate medical attention.

With travel insurance you pay for medical costs that you incur during your trip. From medicines, abdominal pain to surgery, these are covered by the travel insurance. Many policies cover a minimum of £1 million. If you don’t have one, you’ll have to pay for all expenses, including the trip back home, and that would be a major financial loss.

Sudden changes in your travel plans

It includes cancellations, delays, curtailments, missed departures and trip abandonment. These scenarios happen every day and they can happen to anyone when they least expect it. When you travel, prepare for the worst before it starts.

By taking out travel insurance, you protect yourself from simple but painful and expensive accidents. It is your best protection against these sudden changes. But if you don’t have one, you have to worry about the costs that you will have to pay yourself.

Personal liability during your trip

When you travel, you don’t just sit in your hotel and watch something on the television. You will do outdoor activities such as going to the beach, motorcycling around the city, visiting famous tourist spots and more.

While those are fun times, accidents can still happen. What if you accidentally lost the rented motorcycle, inadvertently hurt someone or caused damage to someone’s property? These are personal incidents and are covered by travel insurance.

If you don’t have one with you, you’ll have to resolve the disputes yourself and even pay for the damage you caused. You should think about these situations in advance, especially if your travel plans include a lot of outdoor activities.

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The takeaway

Travel insurance gives you security while travelling. Without it, your movements are limited because you are too afraid that something bad could happen. Instead of enjoying your holiday carefree, do your best to play it safe, because accidents are too expensive. But it doesn’t have to be. From now on, prioritize a policy to ensure a hassle-free travel adventure.