We’ve all been there: the airline loses your luggage, you miss your connecting flight, you get a sinus infection while traveling, the list goes on and on. If you’re trying to keep your Ireland or UK travel costs low, you’ll often forgo the addition of travel insurance. We also know that navigating the jargon on travel insurance pamphlets can be challenging, and some people opt out of insurance simply to avoid having to read the pages of fine print. We want to help make the process of deciding whether or not to purchase travel insurance a little easier. Here are the top 10 reasons why purchasing travel insurance may be a worthwhile expense (listed from most likely to least likely).
10. Baggage Delay
So you’ve landed in Ireland, but your checked bag stayed in Cincinnati and won’t make it to the Emerald Isle until two days from now. If you didn’t plan ahead and pack some essentials and a change of clothes in your carry-on, then you’re going to have to buy some back-ups. Keep your receipts and you can be reimbursed by travel insurance.
9. Flight Cancellations and Delays
Travel insurance can be a big help if your flight gets cancelled or delayed
You can get reimbursed for unanticipated hotel stays, unused pre-paid, non-refundable trip payments, and additional transportation expenses. For example, if you’ve booked a Tenon package that starts on the 10th, but your original flight was cancelled and now you won’t be getting in until the 11th, travel insurance can cover the cost of your missed first night’s hotel stay and car rental.
8. Trip Cancellation and Interruption
Illness; acts of God; a family member, traveling companion, business partner or even a service animal gets sick; job loss; jury duty; airline strikes; natural disasters; terrorism – all reasons why you’d potentially have to cancel your trip before you leave. Canceling your trip ahead of time is one of the main reasons to purchase travel insurance. You’ll be able to recoup the money you pre-paid and didn’t use. If you get through three out of the five days of your trip, and find you have to return home early to take care of a sick family member, then travel insurance will cover your unused, non-refundable trip payments as well as your flight home.
7. Stolen Goods
Europe, unfortunately, tends to be known for pick-pockets. Travel insurance can cover the cost of getting your wallet (or your identity!) stolen.
6. You Get Sick While on Tour
Let’s face it: a hospital stay isn’t cheap. Your regular health insurance probably doesn’t cover you when you’re traveling overseas. Keep track of all those medical bills (plus any hotel stays or touring you missed while in the hospital!), and you can be reimbursed by travel insurance.
5. Car Rental Collision
Collision Damage Waiver car insurance is required and built into the cost of your Ireland or UK car rental, so you’d already be covered if traveling to Ireland, Scotland, England and Wales. For other countries, it may be cheaper to just use the collision coverage included in your travel insurance policy than buying a separate car insurance policy. It’s important to make sure whatever policy you have covers the minimum requirements for the country you’re traveling to.
4. Canceling For Any Reason
Not all policies allow for this type of trip insurance, but Tenon is able to offer it through our partner. Sometimes, issues come up: You broke up with your boyfriend and are too devastated to travel, you mis-budgeted and realized you don’t have enough money to go, etc. Cancel for any reason insurance requires an additional fee on top of regular travel insurance. It covers a 75% reimbursement of non-refundable expenses if you cancel prior to 48 hours before travel, but it affords you the peace of mind to be able to cancel your trip without needing a verified reason.
Disclaimer: the last three points are unsettling, but necessary.
3. Emergency Evacuation & Repatriation of Remains
We’re pretty sure these two are lumped into the same category because it involves moving something from one place to another place. There are a number of rural areas in Ireland and the UK. If you get into a car accident and need to be air lifted to the nearest hospital, you’re covered. If, heaven forbid, you or your traveling companion is in a fatal accident, then you or your family will be able to recoup the cost of transporting the remains home.
2. Accidental Dismemberment
If you’re in an accident and you lose a limb or your eyesight.
1. Accidental Death
Self-explanatory. You never want to think about the worst possible outcome when you’re planning a vacation, but accidents do happen.
Additional Information About Travel Insurance
- Who is included as a family member?
Immediate family members
: mother, father, sister, brother, spouse/domestic partner, or child.
Qualified family members
: spouse/domestic partner, daughter-inlaw, son-in-law, brother, sister, mother, father, grandparent, step-grandparent, grandchild, step-grandchild, step-child, step-brother, step-sister, step-parent, parent-in-law, brother-in-law, sister-in-law, aunt, step-aunt, uncle, step-uncle, niece, nephew, legal guardian, caregiver, foster child, ward, or legal ward.
- Travel insurance extends to your traveling companion.
- If you have to cut your trip short because one of YOUR immediate family members gets sick, then your traveling companion is also covered, whether they choose to continue the trip without you and have to pay single supplement fees, or they choose to end their tour early with you.
- You can make multiple claims for the same trip.
- Say you are in a car accident and get badly injured. You’re air lifted to the nearest hospital and stay there for three days. If you’ve purchased travel insurance, you can submit claims under car rental collision, to reimburse you for the deductible payment you’ve lost; emergency evacuation for your helicopter ride; and for your medical bills. It will end up being quite a bit of paperwork, and probably some headaches, but it’s certainly better than paying thousands of dollars out-of-pocket.
Ultimately, it’s up to you to weigh the reasons to purchase travel insurance against the costs. You have a number of travel insurance carriers available to you. If you’re booking with Tenon, ask your personal travel specialist how to add travel insurance to your trip.
What do you think? Have you ever had to file a claim with travel insurance before? What was your experience? Let us know in the comments.
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