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5 Reasons You Need Travel Insurance

Travel Mamas sometimes receives compensation and/or hosted travel and sample products related to blog posts. This story may include affiliate links for which we receive a small commission at no extra cost to consumers.

When you plan a trip, you make sure to pack properly, secure necessary travel tickets and documents, book the right hotel, and arrange transportation at your vacation destination. But do you plan ahead for the what-ifs of travel? What if someone in your family becomes ill while away from home? What if you or a travel mate gets injured? What if you can’t speak the language and you need to ask for a doctor? What if you lose your passport? Travel insurance gives your family peace of mind so you can focus on fun.

5 Reasons You NEED Travel Insurance

This post is brought to you in partnership with UnitedHealthcare Global.

Five reasons you need travel insurance

1. Find trustworthy medical care.

If someone in your travel party becomes ill or injured during your vacation in a foreign country, you may need medical help. Of course, you want the best possible care for your family. But how in the world would you find a reputable medical professional? With travel insurance, you can connect with an emergency response team who will direct you to a doctor you can trust.

2. Don’t go broke paying out of pocket.

Doctors and hospitals outside the U.S. usually expect you to pay upfront before they start treatment. If you’re like me, you don’t travel with oodles of cash on hand. If you incur high medical fees, you may max out your credit cards and still not have enough credit to pay. If you have MEDEX travel insurance from UnitedHealthcare Global, they can help cover the costs at the time of service.

3. Go home if there’s a medical emergency.

The last thing anyone wants to experience on vacation is an unexpected medical emergency like a car crash or serious illness. Unfortunately, these things do happen. A dream vacation in Kenya turned into a nightmare for a man named Keith Simons when he was involved in a serious car accident. With multiple fractures to his right leg, Keith was rushed to the nearest medical facility. Fortunately, Keith had access to UnitedHealthcare’s Global assistance services. Keith needed surgery, and was evacuated to Paris for the operation. Throughout the transfer, MEDEX maintained contact with Keith’s family and traveling companions. MEDEX also arranged for Keith’s flight from Paris back to the U.S., during which he had an escort for assistance.

4. Get help with non-medical travel snafus.

When I was on a trip to Florida with my mom and daughter, we lost our travel money and it almost ruined our trip. Oh, how I wish I had purchased travel insurance. (Lesson learned!) UnitedHealthcare Global can help with anything from a lost or stolen passport, to an emergency funds transfer, or even a referral for legal help.

5. Protect your vacation investment.

Have you ever lost a bag while you were traveling? You saved and planned for your vacation for months. Now you have no clothes, accessories, or personal products. Travel insurance helps with unexpected bumps during your journey like lost baggage. It also protects you from the loss of money in case you need to cancel or interrupt your vacation.

Five Reasons You Need Travel Insurance infographic

Why get MEDEX travel insurance from UnitedHealthcare Global

Staffed by UnitedHealthcare Global professionals, the MEDEX Emergency Response Center is ready to help 24 hours a day year-round. A basic travel insurance policy costs about the same as a nice meal at a restaurant. That’s just a few dollars a day for a weeklong trip. Choose from options like deductible levels, sports riders, lost baggage coverage and more. You can find plan options to fit just about any budget. With their three plan levels, you can get coverage From $50K to $500K in medical expenses, healthcare and dental referrals, transfer of insurance information to providers, hotel arrangements for convalescence, translation services and beyond. Visit MEDEX for plan options and pricing.

Have you ever purchased travel insurance? Let us know in the comments below!

A Note from The Foodie Travel Mama: UnitedHealthcare Global travel insurance plans are not available to residents of Washington State or New York. Travel Mamas will receive compensation related to this sponsored post. All opinions are mine, as always.

About Kelly Hutchinson, The Foodie Travel Mama

Kelly Hutchinson launched her blog, Kicking it with Kelly, as a way to express herself, connect with other women and share her love for family, cooking, crafting, travel and more! She lives in Knoxville, Tennessee with her husband and two younger children, and is mom to an adult daughter as well. Her son has Asperger’s Syndrome, which is on the autism spectrum. She home schools him, which makes every day an adventure. Connect with Kelly on Twitter as @kickingwkelly.

  1. YES to all of this. Travel insurance is a necessity, not a luxury. There are too many horror stories about poor travelers who’ve suffered bad accidents but then catastrophic financial losses as a result of massive, six-figure hospital bills. Particularly for those injured in the USA or needing air ambulance from abroad. Get insurance!!

    • Kelly Hutchinson, The Foodie Travel Mama says

      Yes Claudia! I agree with you 100%. I just red an article about a family who had a car accident overseas. They had medical bills reaching almost 1 million dollars. I could not even imagine!

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