Why do I need travel insurance?
Taking out insurance isn’t about tempting fate, it’s about having a safety net. Some of the key reasons you might need travel insurance include:
- Trip cancellation
- Medical treatment and repatriation (getting you back home if you’re seriously ill)
- Theft of your belongings
- Trip curtailment (the cutting short of your visit)
- Personal liability
Most policies may provide compensation if your trip never gets off the ground, and if you’ve planned to travel the world then you’ll probably have forked out quite a bit up front. That means taking out travel insurance in plenty of time before your trip is equally important as having it in the first place.
“I spent five amazing months in Ethiopia – volunteering with various local NGOs on education and livelihood-related work. Getting insurance felt crucial, especially as I had limited information about where I'd be living, and how secure it would be. And, of course, you can never predict what incidents might happen or what bugs you could catch! I was fortunate to avoid the need to make a claim, but some of the other volunteers lost their belongings; so having adequate insurance would have been a real bonus for them.”
Caroline Atkinson, 30.