We always recommend you take out Travel Insurance and below we've listed just some of the reasons why:

1. Life is unpredictable. Some trips need to be cancelled.
   With the right travel insurance, you won't have to pay for a trip you are unable to take.
2. Most lost luggage takes five days to return to its owner.
   Travel insurance provides coverage to replace needed items right away.
3. Lost or forgotten medication?
   Travel insurance will assist you in locating a pharmacy to purchase a new prescription.
4. Travelers stateside and abroad can become ill or injured during their trip.
   Travel insurance can provide peace of mind – especially for travel outside the United States, where many hospitals request cash payments in the thousands before treatment can even begin.
5. Health insurance may not go the distance.
   The majority of health insurance (including Medicare), worker’s compensation insurance, third-party and personal liability policies don’t cover international travel. In fact, a closer look at the inside of your passport will reveal that the government recommends travel insurance when traveling outside the United States.
6. In the event of a natural disaster, airline strike or act of terrorism, airlines will not refund the cost of your ticket. Travel Insurance plans can cover the cost and help you get home quickly and safely.
7. Credit card coverage, homeowners and auto insurance, none of these provide sufficient coverage for travel. Even combined, they may not offset the cost of a medical emergency overseas.
8. In the unlikely case of supplier default. If a cruise line, airline or other travel provider ceases operations, travel insurance saves you from paying for a trip you'll really never get to take.
9. We all experience tough economic times.
   The loss of a job or other income might mean a trip planned in advance may have to wait. Travel insurance puts cash back into your hands when you need it most.