When planning a trip, you might think you’re saving money by skipping travel insurance, but have you really considered the potential costs of not having it? From unexpected medical expenses to lost luggage, travelling without insurance can quickly turn your dream vacation or crucial business trip into a financial and emotional nightmare. Air Doctor, the must-have travel companion, opens up on why travel insurance is a necessity.
Picture yourself exploring the lush trails of Costa Rica, only to fall ill or get injured. Without insurance, treatment at a local clinic or hospital can become an expensive ordeal.
A study published by the National Institutes of Health found that up to 87% of travellers experience sickness during or after their trips.
Common issues such as food poisoning, infections, or injuries can lead to hefty medical bills. With travel insurance, these costs are covered, allowing you to focus on recovery instead of worrying about the financial burden.
Wondering if travel insurance is worth it? Imagine arriving in Paris, ready to embark on your adventure, only to discover that your luggage is missing.
Replacing personal items like clothing, toiletries, and other essentials can be costly, and the stress of dealing with lost luggage can dampen the entire trip. Travel insurance can reimburse you for lost or stolen items, helping you move forward with peace of mind.
Another scenario that highlights the importance of travel insurance is a cancelled trip. Suppose you’ve booked a non-refundable holiday to Japan, but a few days before departure, something beyond your control forces you to cancel.
Unexpected changes in plans, whether due to a family emergency, a natural disaster, or even a global pandemic, can leave you with significant non-refundable expenses. Forbes Advisor reports that in 2024, the top three concerns for travellers are medical emergencies (59.8%), the need to cancel a trip for unforeseen reasons (31.2%), and lengthy travel delays (5.7%).
Travel insurance can cover these costs, preventing you from losing money on flights, accommodations, and other pre-paid expenses.
If you need to cut your trip short due to unforeseen circumstances, like political unrest or flight cancellations, the associated costs can be substantial.
For instance, imagine being at the airport, ready to depart for your dream vacation, only to find all flights cancelled due to an airport worker strike. Such situations are more common than you might think.
According to a survey by Business Insider, 35% of travellers who purchased insurance did so because they were concerned about the reliability of their travel provider.
Travel insurance can cover unexpected costs like changing flights and booking last-minute accommodations, ensuring you return home safely without breaking the bank.
Moreover, missing a flight or connection can throw your entire itinerary off course. The added expenses of purchasing new tickets and booking additional accommodations can be overwhelming.
Even the most carefully planned trips can encounter disruptions, but travel insurance can help cover these extra costs, ensuring your vacation continues smoothly.
How Air Doctor can help
So, if you’re still asking, “Is travel insurance worth it?” the answer is a resounding yes. But what if you need medical assistance while abroad? This is where the Air Doctor app comes in.
With the Air Doctor app, you can easily access trusted medical assistance wherever your travels take you. The app connects you with a global network of over 20,000 multi-lingual doctors and specialists, ensuring you receive the care you need, whether you’re in a bustling city or a remote village.
Air Doctor offers various consultation options, including clinic visits, at-home (or hotel) appointments, and video consultations, available in 84 countries and 21 languages.
When you use Air Doctor through one of their partnered insurance providers, you won’t need to worry about out-of-pocket expenses or lengthy claims processes. Everything is handled directly by your insurance provider, allowing you to focus on enjoying your trip.
If you prefer to pay upfront, Air Doctor offers a self-pay option via the app. You can filter doctors based on consultation prices, providing transparency and helping you manage your expenses effectively.
The Air Doctor app enhances your travel experience with just a few taps, allowing you to find and book a doctor’s consultation quickly. This can be a lifesaver, preventing your vacation from turning into a disaster.
Jenny Cohen Derfler, Air Doctor CEO and Co-Founder, emphasised the app’s benefits, saying, “With Air Doctor, it means there are fewer travellers who will feel stranded if they fall ill abroad, and these travellers can access quality medical care from anywhere. While we’re already operating in 78 countries, we’re always working to expand our network.”
Travel insurance is more than just an added expense—it’s a crucial safety net that protects you from the unexpected.
From medical emergencies to trip interruptions, having reliable travel insurance can make a world of difference. And with the Air Doctor app, accessing medical help abroad has never been easier. Don’t risk your health while away from home.
Read the full blog from Air Doctor here.
Copyright © 2024 InsurTech Analyst
