Unravelling the Importance of Travel Insurance: Why You Should Get it


Travel insurance provides crucial financial protection if something goes wrong during your travels, covering situations like medical emergencies, lost or stolen belongings, trip cancellations, and more. Without travel insurance, unexpected incidents could leave you stranded abroad and facing staggering out-of-pocket costs that run into thousands or even hundreds of thousands of pounds.

Having the right travel insurance policy is essential, covering factors like your destination, age, activities, medical conditions, and whether you need single or multi-trip coverage. It safeguards your investment and provides peace of mind, allowing you to fully enjoy your adventure.

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The Costs of Medical Emergencies Abroad

Travel insurance can save you from significant medical debt, especially for activities like off-piste skiing rescues or treatment in the USA. If you or someone you are travelling with falls ill while on holiday, travel insurance covers medical expenses and emergency assistance. If you get sick or injured while travelling, especially internationally, travel insurance can cover:

  • Doctor’s fees
  • Hospital bills 
  • High costs of emergency medical transportation

Without travel insurance, you could be left stranded abroad and facing staggering out-of-pocket costs that run into thousands or even hundreds of thousands of pounds.

Protecting Your Investment

Without travel insurance, you may have to pay out of your own pocket to deal with problems that arise during your trip, potentially costing thousands of pounds. Travel insurance can reimburse you for:

  • Prepaid, non-refundable expenses like airline tickets, hotel rooms, rental cars, tours, and cruises if your trip is cancelled for a covered reason
  • Food, lodging, and local transportation expenses if your trip is delayed due to severe weather, airline maintenance, or civil unrest
  • Non-refundable expenses and the cost of a one-way economy ticket home if you need to cut your trip short due to illness, injury, or a family emergency

Travel insurance provides valuable financial protection and peace of mind if the unexpected occurs before or during your trip, especially if you have prepaid non-refundable expenses or are travelling abroad.

Peace of Mind for Adventure

For thrill-seekers and adventure enthusiasts, specialised travel insurance policies are a must-have. These policies cover over 400 recreational sports and high-risk activities that are typically excluded from basic travel insurance plans. With coverage options like:

  • Up to £1,000 for Activity Equipment
  • Up to £10,000,000 for Emergency Medical Expenses
  • Search & Rescue cover up to £50,000

Adventure travel insurance provides the peace of mind to fully embrace your adventurous spirit, knowing you’re protected if things go awry. These policies are available as annual or single-trip options, allowing you to tailor the coverage to your specific needs.

Beyond financial protection, adventure travel insurance offers access to specialised services and support. It covers medical treatment costs if injured during covered activities, repatriation to the UK for specialised treatment, and personal accident cover for serious injuries. It also provides coverage for curtailment/cancellation, personal liability, and legal expenses.

Standard travel insurance may not cover you for adventure and extreme sports or may only cover you under certain conditions, leaving you vulnerable to high medical bills, legal fees, or transportation costs if something goes wrong. Specialised travel insurance for adventure activities ensures you’re fully covered and can customise the policy to your specific needs and preferences.

When choosing an adventure travel insurance policy, it’s crucial to compare different providers, read the fine print, and select a policy that covers the activities, destinations, and risks you may face. Here are some key considerations when navigating the fine print:

  • Medical Expenses Coverage: Travel insurance policies should have at least £1 million in medical expenses coverage for Europe and £2 million for the USA. This ensures you’re adequately protected in case of medical emergencies abroad.
  • Repatriation Service: Policies should include repatriation service to cover the costs of emergency return to the UK. This is essential in case you need to be transported back home for medical reasons.
  • Cancellation/Curtailment Coverage: A minimum of £2,000 should be included for cancellation/curtailment coverage. This protects you if you need to cancel or cut your trip short due to unforeseen circumstances.
  • Missed Departure and Delay Coverage: Missed departure coverage of at least £500 and delay coverage of at least £200 are recommended features. These can help cover additional expenses if your travel plans are disrupted.
  • Travel Abandonment and Baggage Cover: Travel abandonment coverage of at least £2,000 and baggage cover of at least £1,500 should be included. These protect you in case you need to abandon your trip or if your luggage is lost, stolen, or damaged.
  • Personal Liability Cover: Personal liability cover of at least £2 million should be part of your policy. This can protect you from legal expenses if you accidentally cause injury or damage during your trip.

It’s also essential to review the policy carefully to understand what is and is not covered, including coverage amounts, regions, trip duration, and activities. Being honest about your medical history and understanding the excess/deductible is crucial when buying travel insurance.


The importance of travel insurance cannot be overstated, especially when embarking on adventurous journeys or travelling abroad. It offers invaluable financial protection and peace of mind, safeguarding you against unexpected events that could otherwise result in exorbitant costs and potential legal complications. From covering medical emergencies and trip cancellations to lost belongings and adventure sports activities, a comprehensive travel insurance policy ensures you can fully embrace your travel experiences without the looming worry of unforeseen circumstances.

Ultimately, travel insurance is an investment in your safety, security, and enjoyment during your adventures. By carefully navigating the fine print and selecting a policy that aligns with your specific needs and destinations, you can embark on your journeys with the utmost confidence, knowing that you are prepared for whatever challenges may arise along the way.


About Author

Kelly Lewis is the founder of Go! Girl Guides, the Women's Travel Fest and Damesly. She's an optimist, an adventurer, an author and works to help women travel the world.

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