Why on Earth Would You Need Travel Insurance?

When you are looking through travel brochures, excited about the prospect of vacationing in some far flung hotpot, all the things that could go wrong while you are over there probably could not be further from your mind.
Yet there is no getting away from the fact that these things could happen, so it can pay to arm yourself with a little travel insurance.
Here are just some of the reasons why: Having your belongings stolen could really spoil a holiday, especially if you cannot afford to replace them.
If, however, you have a travel insurance policy that covers you in the event of the loss or theft of your belongings, then the worst that could happen is that you have to do without something for a day or two.
You probably are not intending to get ill or become injured while you are abroad, but unfortunately this does happen from time to time.
For instance, you might catch a tropical bug, get food poisoning, or injure yourself while larking about on the beach.
You have to remember that the National Health Service will only pay for your medical treatment while you are in the UK, so if you have any health troubles abroad, then you will have to pay for the treatment yourself, and this can be very expensive indeed, especially if an air ambulance is required.
However, if you had sorted out comprehensive health cover as part of your travel insurance, then you would not have to worry about expensive medical bills on holiday.
If you are planning to drive while you are away, you have to consider what would happen if your car broke down.
At best this might mean that you have to change your holiday plans, but at worst it could leave you totally stranded.
If however you had taken out a travel insurance policy that included a free emergency car hire service for just such an occasion, you would not have any of these problems.
If you need to postpone your trip due to unforeseen circumstances, it could end up costing you an arm and a leg.
Not only would you probably lose your deposit, but you would also probably be hit with some fairly hefty rescheduling fees.
Some travel insurance policies, however, will cover the costs incurred when you have to postpone a holiday unexpectedly, which at least means that you will not be hit too hard in the pocket.
So if you want to enjoy your holiday without being too anxious about the consequences of the unexpected, travel insurance is a must.
Although it can be a bit of a hassle sorting it out, it is well worth it, and if you are a frequent traveler, you can get an annual travel insurance plan which will cover a number of trips with only one set of paperwork, saving you precious time, money, and hassle.