Single Women Ask: Should I Get Travel Insurance?
By Damian Tysdal
There’s a lot of confusion and misinformation around travel insurance. Some travelers feel it’s not worth the extra cost, until they run into a truly unexpected travel scenario and have to whip out their credit cards to cover it. Here are the reasons women travelers may want to take a second look at travel insurance.
7 Answers for “Should I get travel insurance?”
1. If there’s a natural disaster
Heavy snow storms, hurricanes, tornadoes, all kinds of bad weather and natural disasters can cause your trip to be severely delayed and even cancelled. Travel insurance with natural disaster coverage can help you with the unexpected costs that result when your trip is significantly delayed or destroyed by a natural disaster.
Hurricanes and other natural disasters are not automatically covered by a travel insurance plan; you’ll need to read the document to be sure you have coverage and understand the plan limits. For example, you can’t cancel and get a refund simply because the beaches are a mess and all the restaurants are closed – your destination has to be rendered uninhabitable. You’ll need ‘cancel for any reason’ if you want the extra protection.
2. If someone gets sick
If you, or someone else, gets sick either before or during your trip and you want to cancel your trip to be with that person, a good travel insurance plan will reimburse your non-refundable trip costs. If your son or daughter, spouse, or parent gets sick, you can cancel or abort your trip to be with them and still get your money back.
The person who is sick must be a covered person as defined in the travel insurance plan’s coverage document (unfortunately, best friends and pets don’t count – you’ll need ‘cancel for any reason’ in that case), and their illness must not have been caused by a pre-existing medical condition (unless you purchased a waiver).
3. If your flight is delayed
There are all kinds of flight delays: mechanical failures, operational delays, union strikes, weather delays, and more, but the airlines don’t give most travelers a lot of perks when it comes to delays. A good travel insurance plan will reimburse you a certain amount each day for basic expenses (like hotel rooms and meals – sometimes even movie rentals for the kids) if your trip is delayed a minimum number of hours and for a covered reason.
4. If you’re attacked
If you’re the victim of an assault before your scheduled departure or during your trip, and you want to cancel your trip or return home, the right travel insurance plan will fully refund your pre-paid trip costs as well as additional airfare. Notice we mentioned ‘the right travel insurance plan’? Your trip costs are reimbursable as long as assault is listed as a covered reason for trip cancellation and interruption in the plan document.
5. If you’re pregnant
In general, pregnancy is excluded from all travel insurance coverage, but medical conditions that are defined as ‘complications due to pregnancy’ are covered under the standard travel medical. This means that while the pregnancy itself isn’t covered, women travelers have covered for medical expenses that occur on their trips and result from pregnancy complications.
6. If your passport is stolen
If your passport is stolen before your trip, you could lose all your non-refundable trip costs simply because you couldn’t get a replacement in time. File an official report that your passport was stolen and a travel insurance plan with coverage for lost or stolen passports will cover your non-refundable trip costs. Travel insurance can also step in if it’s stolen on your trip by helping you get it replaced and reimbursing the emergency processing fees.
7. If you’re traveling with kids
If you’re traveling with kids – perhaps alone or with a partner – one of the most reassuring features of travel insurance is having the travel assistance services at the other end of the phone. Not only will they help you with travel difficulties – lost passports, where to find medical care, etc. – but if you’re hospitalized, they’ll also connect with your family back home and send someone to be with you and fly the kids to where they need to be. That’s peace of mind. Just in case.
A final word …
The key to being able to trust your travel insurance is in reading the fine print and understanding your coverage. You’ll notice we used ‘a covered reason’ in this article. That’s because it’s those covered reasons – along with the plan exclusions – that catch most travelers by surprise. Only by reading the plan, and asking questions if necessary, can you be certain of your coverage.
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