Why is Travel Insurance Important?

We live in a society where we often overlook why is travel insurance important, thinking we are immune from accidents because, of course, why would anything happen to us? But life is unpredictable and accidents can happen when we least expect them, especially at the time of travel. This is where travel insurance plays an important role. 

On many occasions, accidents are caused by a third party, so no matter how careful we are, we cannot be sure that everything will go as planned. This is why having a travel insurance policy for medical expenses, emergency evacuation, trip cancellation coverage, etc., is a good idea in case we experience a setback during our adventure. 

1. Trip Delays 

Airlines aren't predictable, and we may find ourselves dealing with flight delays due to a mechanical issue or a weather delay. These trip delays sometimes result in unexpected non-refundable expenses. 

AXA’s trip protection plans can provide reimbursement for pre-paid travel expenses in the event your travel is delayed due to a defined hazard. 

2. Luggage Loss or Delay 

What is indispensable on our trip and is usually the most affected? Simple, our luggage. Any delay, damage, or loss of luggage during transit can disturb your journey. 

AXA’s travel insurance may not assure that your luggage will arrive undamaged, but it can give you the satisfaction that you’ll be able to deal with an unforeseen event. It may also include personal property coverage that may reimburse you for certain expenses if the airline or tour operators fail to deliver your bags in the same condition. 

3. Travel Medical Insurance 

You finally booked that trip to the Caribbean and fell asleep on the beach while tanning, but you forgot the sunscreen at home. 4 hours later, in the blazing Caribbean sun, you wake up from your nap with 3rd-degree burns. 

AXA travel insurance offer medical coverage that can help if you experience events such as emergency accidents or sickness medical expenses during your trip. Or even if you were to face an acute life-threatening emergency, medical coverage will be beneficial.  

Without travel health insurance coverage, obtaining medical treatment abroad can be challenging, with upfront payments often required. For destinations like Japan or Turkey, supplemental travel insurance policies are essential to protect against costly medical expenses. Be sure to check the U.S. Department of State’s suggestions at travel.state.gov to understand why travel insurance is important. It will also explain the need for additional coverage in your travel itinerary. 

4. Emergency Evacuation & Repatriation  

Traveling to remote or unfamiliar destinations may result in seeking medical care, evacuation, and repatriation.  

AXA’s travel insurance cover includes emergency medical evacuation and repatriation benefits, ensuring you’re transported to the nearest adequate medical facility in the event of a life-threatening situation. You will get coverage for sudden and unforeseen events, such as serious injury or complications from pre-existing medical conditions. It makes sure that you receive urgent medical care without delay. 

5. Trip Interruption 

We never know what can happen back home while we are on our adventure. Trip interruptions can occur due to unforeseen events, such as a family member falling ill or a natural disaster. 

Having a trip protection plan can provide reimbursement for your return flight home in the event of a covered incident that forces you to interrupt your trip. 

6. Accidental Death & Dismemberment 

Accidents can happen unannounced, and sometimes they result in life-altering injuries or even death. This is why it is important to have travel insurance. In such unfortunate circumstances, accidental death and dismemberment (AD&D) coverage is offered by travel insurance companies if added to your travel insurance plan. 

AXA’s travel insurance covers AD&D to help protect you during your trip. Whether you’re involved in an accident while traveling or experience severe injuries resulting in dismemberment, AXA’s plan offers coverage based on your travel insurance policy. 

7. Trip Cancellation 

You have to have a last-minute surgery, a relative, unfortunately, passed away, and the airline you are scheduled to travel on is on strike; you are not exempt from having unforeseen events arise that can cause you to have to cancel your trip. 

Purchasing a trip protection plan in advance can help ensure that you have coverage in the case of trip cancellations. AXA's travel insurance options protect you from out-of-pocket expenses. 

8. Rental Car Damage 

We traveled to England, and driving was not as simple as we had expected. If every day, people who drive are subject to car accidents, imagine driving in a foreign country with different rules, streets, and even a different steering wheel! 

AXA’s optional benefit of car collision damage provides coverage in case you are involved in a car accident while driving in a foreign country. 

9. Non-Insurance Assistance Services 

Whether you are traveling with children or on your own, you never know when you may need medical assistance. According to the European Centre for Disease Prevention and Control¹, in most European countries, you must first visit a doctor’s office before you can purchase an antibiotic. 

AXA’s trip protection plans include non-insurance assistance services, which will help refer you to local medical providers and pharmacies. 

10. Non-Insurance Concierge Services 

Your trip protection plan has a non-insurance concierge service, which can provide assistance when you need to clarify doubts or help you in a dilemma that you may have during your trip, including any last-minute considerations while traveling. 

Wrapping Up 

Now, you know why travel insurance is important. It is true that on many occasions, nothing will happen, but accidents can happen. So, help get prepared for the unexpected. Thousands of bloggers and travelers around the world suggest travel insurance, so what are you waiting for?