If you find yourself asking this question, then there is a very simple answer to it – yes!
Put simply, travel insurance is a safety net, something you can rely on in the event of a problem, and believe me, when there is a problem abroad, especially to do with your health, you’ll be glad you took a little time out of your daily routine to arrange your cover
Insurance means that in the event of a medical problem, loss of baggage, cancellation or curtailment (depending on the small print of your policy), you will be covered in terms of money. Of course, you have to pay an excess charge, and it’s important to choose a policy that doesn’t have massive excess payments, but once you have paid this, you are able to claim on your policy.
For instance, if you require emergency medical attention whilst you’re on holiday, you will go to the hospital and they will ask you if you have insurance. When you say yes, they will proceed with your treatment once they have checked the paperwork; if you say no, they will inform you that any treatment you have will be yours to pay and a rather hefty bill will be coming your way.
If you’re worried about a problem with your health in a foreign country, the last thing you want is another drama over money.
See, insurance is a major comfort blanket.
The key here is shopping online, and making sure you look around for the best deal. Price comparison websites are a great go to for the best deals, so simply find a short list of policies that fit your needs, and then whittle it down from there. A key point to remember is that you should always declare any pre-existing medical conditions at the time of arranging your policy, because in the event of a problem, if you haven’t been completely honest, you may find that your policy is null and void. Not a good situation!
Once you’ve paid for your policy, you will receive all the paperwork which you simply need to print out and put somewhere safe in your hand luggage, whilst storing the claim number in your phone in the event of a problem. Hopefully you will never need to see this paperwork again, but if there is a problem, it will be your godsend.
So in answer to the question …
Yes, you do need travel insurance, and if you risk going without it, you are playing with your health and your financial status!