Ingenious Insurance – Why Travel Insurance Could Be The Best Holiday Decision You Make


Going on holiday, regardless of the time of year, is always exciting. From planning the trip to shopping for clothes to planning your holiday itinerary, heading off to a new place is an amazing experience. If going to the beach, you might want to think about new swimmers, a fun beach towel or a trendy pair of thongs so you’re ready for the sun, sea and sand. On the other hand, if you’re going on an adventure to the mountains, rainforest or jungle, you’ll be more concerned with having the right rain gear, boots and other necessary outdoor gear.  

As travelers, we worry incessantly about every detail but we often forget one of the most important additions to our luggage, travel insurance. Now, more than ever, securing travel insurance should be an essential part of the planning process, especially if you want to take part in some more adventurous activities on your trip. Finding adequate insurance is easy with providers like InsureandGo travel insurance who offer different types of coverage, allowing travelers to choose the right insurance for their specific needs.

Continue reading to learn more about travel insurance and how securing the right coverage is important for your next holiday.

Activities And Injury

While trekking in the mountains, diving incredible reefs and climbing big walls is enticing, the reality of being injured while engaging in these adventure activities is high. However, for some travelers, the entire focus of the trip could be to complete a hiking trail, surf and incredible point break or go whitewater rafting in the rapids. If you want to take part in activities or sports that might require a certain level of risk, it is always wise to ensure that you have adequate insurance cover.

Lost Or Stolen Property

With all of the electronics that most people now own, getting cover for your electronics and other valuables when you travel is critical. Phones, tablets, laptops, cameras, GoPros, credit cards, passports, cash, jewellery, and other valuables can be lost or stolen when you are away. It can be a harrowing experience to come back to your hotel room after a great day out with the family to find that your electronics are missing from your room. Or worse again, to open your backpack and find that your cash and credit cards have been lifted from your bag while you were busy seeing the sights. You may never retrieve the items or the irreplaceable files and photos that were taken but with travel insurance, but at least you may be able to recover some of the cost of the items that were taken.

Cancellation Coverage

If you have to cancel your trip, travel Insurance can cover you depending on the circumstances of your cancellation. While policies that offer more coverage are also generally more expensive, they also allow travelers to recoup anywhere between 50%-75% of travel costs associated with the trip if something goes awry. These costs can cover a range of purchases like accommodations, airfare, and transport depending on the terms of your policy.

Medical Emergencies

In the unfortunate event that there is an injury and someone has to be hospitalized, travel insurance provides coverage for hospital visits and other medical bills. In the unlikely event that there is an emergency that requires medical treatment, it’s always good to know that you can be covered.

Protect Yourself Against The Unexpected And Relax

Going on a holiday of any kind should be a positive, fun and exciting time. You should be focused on the positives of your trip, of all the good times that you will have and the memories you are going to make with your friends and family. However, unfortunately, from time to time, things don’t always go according to plan and it’s important to be prepared for such an eventuality. Misadventure and accidents are things that we would like to avoid but sometimes the unexpected happens. With the right travel insurance, you can relax and enjoy your trip, knowing that if something goes wrong, you have the coverage needed to get through these unfortunate incidents with ease.