When planning a vacation or business trip, travel insurance is often one of the last things you think about, if at all, yet it’s one of the most important things to ensure your trip is stress free.

You carefully plan your holiday making sure you get exactly what you want and the best deal, but what if things go wrong?

This is why you need travel insurance. You never know what might happen.

At home you have a pretty good idea how things work, what risks you can take and where to get help when you need it.

But when you travel, it’s quite different. Especially if you’re traveling abroad but even when traveling in your own country.

You don’t know what kind of unexpected setbacks could affect you and your family while you’re away.

Here are some things you need to protect yourself against if you’re to have a safe, enjoyable and stress free trip.

1.    Things do go missing, get lost or stolen

2.    You can have an accident or become ill and need medical attention.

3.    Your travel arrangements can get cancelled or changed by your tour company

4.    Bad weather can affect your plans. Recent events across the world, floods, storms, cyclones, earthquakes etc have affected thousands of people’s plans resulting in additional travel costs, extra accommodation etc.

5.    Travel companies do go out of business

6.    You may incur legal expenses

7.    Things can go wrong back home and you may need to return

8.    Medical attention, dental treatment etc can cost a lot more abroad than they do at home, especially in the United States.

9.    You may need foreign help, with language or legal situations.

10.   You may need to change your plans for many different reasons.

11.    The world is unstable with terrorist threats and actions, and countries and regions do become unsafe.

12.    Hired equipment such as skis, snowboards, surfboards etc do get broken.

13.     Luggage does get damaged or get lost on flights

14.     Family illness etc can prevent you going on holiday.

15.     If you run your own business and can’t return, who will run it for you?

16.     And finally, the thing no-one likes to talk about, what happens if you or member of your family is injured or even die?.
So your travel insurance will give you peace of mind that if anything goes wrong, you have the protection and help you need.

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