Travel Insurance: Why Bother?

Over 2.62 million New Zealanders travel abroad every year, but not everyone arms themselves with travel insurance before stepping on a plane. Passport? Check. Luggage? Check. But what happens if you lose these items, or if someone steals them? This is where travel insurance comes in. By investing in travel insurance, you are covering yourself against a whole array of travel risks.

Travel risks include lost or stolen goods, cancellations, and injuries. An optimist will say these things won’t happen to them, but we never know what will be around the corner, and an optimist may soon be regretting not investing in travel insurance. Some things are simply out of our control, and that’s what travel insurance anticipates. You may be the most careful person in the world, but a flight could cancel on you, or there’s a family emergency. Then what?

There are different types of travel insurance packages to suit every kind of traveller. The type of travel insurance you choose will depend on where you are travelling to, the kind of activities you plan on doing overseas, and how safe you want to be. A typical travel insurance policy will cover medical and hospital expenses, cancellations, personal liabilities, family emergencies, luggage and personal belongings, travel delay expenses and rental vehicle excesses.

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