I don't remember, but I started to make sure of it since the first plane trips I took, back in the 80s.
At that time travel insurance policies were expensive, however this allowed me to insure myself for any inconveniences I had during the trip.
Because when you travel it doesn't all depend on us, even if you are as careful as possible, but it depends above all on external events.
What is travel insurance for?
Personally I think it is important for any type of trip we take, regardless of whether it is for work or holiday.
Of course, there are Airlines - Cruises - Travel Companies, which offer insurance but they are mainly aimed at travel and luggage, and do not always cover other inconveniences that could occur during the same trip.
Why do I need to be insured?
Travel insurance is often perceived as an additional cost, something optional and unnecessary.
Every travel policy taken out before departure always has value, even if you think this is not the case.
The insurance policy is a precious ally, and allows us to reduce any worries inherent to the trip, thus allowing us to protect ourselves against various inconveniences that could ruin our trip.
When is it best to insure?
Air - Cruise - Travel companies allow you to add insurance to the cost of the trip when booking the ticket, and often everything is inherent to the trip alone.
In all cases it is always advisable to take out a personal insurance policy, which also covers the components of the trip (for example relatives, colleagues, etc.) and therefore have total or almost total coverage of the trip.
This can be done at least 1 day before departure and covers the entire duration of the trip until the return.
Why is it worth getting insurance?
From the previous points it is clear that there are many aspects for which you can avail of travel insurance, to allow you the peace of mind of having insurance coverage for every major possible inconvenience.
Why get insured even if you are covered by your country's health service?
- the health service in your country does not always cover all medical and return expenses (where applicable)
- in many countries it does not cover expenses and, where applicable, requests for reimbursement must be made, which are often not reimbursed.
For companies, it allows you to be fully or partially covered for any inconveniences that may occur during a business trip.
What can and should travel insurance cover?
The trip can be insured against any inconvenience that may occur wherever we go:
- flight delay
- cancellation of the trip
- extension of stay
- third party liability
- medical expenses
- immediate return
- loss of documents
- loss of baggage
- legal fees
- that works all over the world
- cover from COVID -19
- enable 24/7 customer support
- can be purchased online
- which has no hidden clauses in the contract
- which has no hidden restrictions in medical services
How much does a travel insurance policy cost?
Insurance must be flexible and must allow us to add more items based on the type of trip we are doing and want to insure.
The cost of an insurance policy depends on what we want to insure.