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Travel insurance is one of those things many travellers consider unnecessary — right up until something goes wrong.
When everything goes according to plan, paying for insurance can feel like an extra expense. But a cancelled flight, lost luggage, an accident, a medical emergency or the need to return home unexpectedly can turn a relatively inexpensive holiday into a very expensive problem.
Travel insurance is not about expecting your holiday to go badly. It is about protecting yourself if it does.
You may have planned everything perfectly: flights booked months in advance, accommodation reserved, activities organised and a carefully planned itinerary.
Then something happens.
You become ill before travelling and cannot leave. Your flight is cancelled. Your luggage disappears. You have an accident while hiking. A family emergency means you have to return home unexpectedly.
Some of these situations are simply inconvenient. Others can cost hundreds or even thousands of euros.
That is where travel insurance can make a significant difference.
One of the most important reasons to consider travel insurance is medical cover.
Even within Europe, where the European Health Insurance Card (EHIC) or equivalent arrangements can provide access to necessary state healthcare under certain conditions, it does not mean that every medical expense is automatically covered.
Private medical treatment, repatriation, ambulance transport, mountain rescue or other assistance may fall outside the protection provided by your public healthcare arrangements.
And if you are travelling outside Europe, the potential costs can be considerably higher.
A good travel insurance policy can provide medical assistance and cover eligible expenses according to its terms and limits.
Imagine booking flights and accommodation several months in advance.
Then, just before departure, you become seriously ill or a close family member has an emergency.
Without appropriate cancellation cover, you may lose some or all of the money you have already paid.
A policy with trip cancellation and interruption cover may reimburse eligible non-refundable expenses when a covered event prevents you from travelling or forces you to cut your trip short.
The important word here is eligible.
Insurance policies are contracts, not magic. Always check exactly which circumstances are covered, the limits, exclusions and documentation required.
Arriving at your destination without your suitcase can ruin the first few days of a holiday.
Travel insurance may provide compensation or assistance for lost, stolen or delayed baggage, depending on the policy.
This can be particularly useful when travelling with valuable equipment, sports gear or essential personal items.
Again, check the conditions carefully: there may be limits per item, exclusions and requirements to report the loss to the airline or authorities.
Depending on the policy, travel insurance can include protection for situations such as:
Not every policy includes all of these benefits, and the cheapest policy is not necessarily the best policy.
The right insurance is the one that actually covers the risks relevant to your trip.
This is especially important if your holiday includes hiking, cycling, water sports, skiing, diving, sailing or other activities.
Don’t assume that an ordinary travel insurance policy automatically covers everything you intend to do.
Some activities may be excluded, while others require an additional option or specific coverage.
If you are coming to Mallorca for trekking in the Tramuntana, renting a bike, going out on a boat or taking part in adventure activities, check this before you travel — not after something happens.
Travel insurance is useful only if you understand what you are buying.
Before choosing a policy, check:
Medical coverage
How much is covered and are emergency transport and repatriation included?
Cancellation and interruption
Which circumstances qualify for reimbursement?
Excess/deductible
How much will you have to pay yourself in the event of a claim?
Exclusions
Are pre-existing conditions, alcohol-related incidents or certain activities excluded?
Sports and activities
Does the policy cover what you actually intend to do?
Baggage
What are the overall and per-item limits?
24-hour assistance
Can you contact someone when you actually need help?
A policy costing €20 less might look attractive when you’re booking a holiday.
But if it provides significantly less medical cover, excludes the activities you are planning or has very restrictive cancellation conditions, those €20 may not be much of a saving.
Think about insurance as risk management rather than another holiday expense.
You are paying a relatively small, predictable amount to protect yourself against potentially much larger, unpredictable costs.
Nobody books a holiday expecting to need an ambulance, lose their luggage or cancel their trip.
And hopefully you will never need to use your insurance.
That’s actually the best possible outcome.
But travelling without insurance means accepting that, if something serious happens, you may have to deal with the financial consequences yourself.
For the price of a small part of your overall holiday budget, travel insurance can provide something much more valuable than reimbursement:
peace of mind.
Because the best travel insurance policy is the one you never have to use — but are very glad you had when you needed it.