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Working out if you need to buy Travel Insurance

Working out if you need to buy Travel Insurance

When you book a trip, it is always worth sitting down and working out whether you need to buy something like a SafeTrip travel insurance policy. Doing so can potentially save you a lot of time, hassle and, in certain circumstances, money. However, whether you need to buy it or not is a question that is worth asking yourself.

Not all trips need to be covered

If you are planning to drive across the country to stay for a week with relatives or friends, the chances are you will not need to buy travel insurance. Your car policy should cover you in the event of a road accident. Because you are not traveling outside of your country of residence, your medical bills should be covered by the state or your regular health insurance company.

Travel insurance for internal and short flights

However, if you were to fly there instead, buying travel insurance for the flight can make sense. Plus, should someone fall ill and need a medical ambulance to take them to a hospital closer to where you live, the coverage will be there.

Do you already own travel insurance?

There is also a chance that you already have a policy. Perhaps your bank or credit card provides you with some sort of coverage. In this situation, you may not need to buy an additional travel insurance policy.

However, you do need to be careful and double check that the coverage is adequate. Sometimes it will be fine, other times it will not. For example, the chances are that hazardous sports coverage is not included. So, you could be OK relying on your credit card travel insurance for your summer holiday but may need to buy additional coverage for a skiing trip.

Also, your private medical insurance firm may also provide you with some coverage. If that is the case, you may only need to protect yourself against flight cancellations, delays, lost luggage etc. However, be careful before deciding not to buy a separate travel insurance policy.

You could find out that most of your treatment bills are covered, but that you cannot get back home until you have recovered. For example, your medical insurance company will not always cover the cost of an air ambulance. Plus, they will not usually make any contribution to accommodation so a close relative can stay with you during your recovery. Whereas, some regular travel insurance providers will pay for, or partially cover, these types of additional expenses.

You are not eligible for travel insurance coverage

For some travelers, finding a firm that offers them any meaningful level of coverage is all but impossible. In many countries, if you are aged over 100, nobody will insure you. This can also be the case if you are already suffering from certain medical conditions.

For travelers in those situations, buying a policy is only possible if they lie on the application form. This seems OK, but in reality, it is not. If you try to make a claim, it will be rejected because the policy has been bought under false pretenses.

If you fall into the category of someone who is uninsurable, you have two choices. You can either stay at home or take a risk and travel knowing that if you become ill, you will have to cover your own expenses. Just don’t fall into the trap of inadvertently paying out good money for a policy that is, for you, actually worthless. Some unscrupulous travel firms and brokers will try to sell you a policy even if it does not actually provide you with coverage.

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About the author

Carmen Edelson is the Founder of Carmen's Luxury Travel. Carmen has been traveling the world for over a decade. Our travels allows her the opportunity to pursuit her itch to travel to the best luxury destinations, and experience those first class tastes from around the world.


  1. Some really good information here. I usually don’t buy travel insurance, simply because I don’t really know in which cases I need it. Thanks for clearing that up for me!

    • Carmen Edelson

      No problem – I was in the same boat as you!

  2. I always find it hard to decide whether or not I need travel insurance. Thanks for sharing this post.

    • Carmen Edelson

      I felt the same way up until recently!

  3. Thanks for the info! I always pass it up, but my family from Europe always has it and it has really come in handy for them!

    • Carmen Edelson

      Yes, you never know when you will need it the most! Better to be safe than sorry 🙂

  4. You can underestimate the need for taking precautions or being prepared. Travel insurance is always a good idea. Unless, like you said, if one is travelling short distances or staying with relatives nearby.

    • Carmen Edelson

      Yes! I’ve underestimated it in the past but I won’t make that mistake again.

  5. You do not need an extra insurance if you are a European Union resident and have Εuropenean health insurance card

    • Carmen Edelson

      Lucky you! 🙂

  6. I sometimes forget that there might be insurance policies through something else have. Always good to check before you leave! I’ve only had to use travel insurance once but I was glad I had it!

    • Carmen Edelson

      Yes, it’s definitely always good to check!

  7. Thanks for this info. We don’t tend to take the time to read the fine print on credit card coverage, so this is an excellent reminder to review each situation.

    • Carmen Edelson

      You’re very welcome, Cindy! I was in the same boat.

  8. These are all great reasons. I always get insurance, and last year when my camera got stolen, I was thankful I did. I swear I keep getting credit card noticed that are telling me of my revised policies, which often include revamps to the travel part of the benefits they offer. While it is a super drag to have to sift through all the text, it is so helpful, especially if you are traveling overseas.

    • Carmen Edelson

      It is a drag but so worth it in the end! I’m sorry about your camera.

  9. Anja

    I always get health travel insurance, otherwise I’d feel very uncomfortable. However, I usually do not insure my belongings- which could come in handy, now that I’ve heard a couple of stories of stolen items lately.

    • Carmen Edelson

      Yes it really can come in handy!

  10. I’ve always wondered about travel insurance! I never took the time to look into when it is/isn’t worth it and what it covers, so thank you for going into the details. I learned a lot! 🙂

    • Carmen Edelson

      So glad to hear it, Melissa!

  11. Great information, thank you! I’m usually covered under a credit card, but sometimes that’s not enough.

    • Carmen Edelson

      You’re welcome, thanks for reading 🙂

  12. Thanks for the tip and I agree that we should get insurance too.
    Marshall Brown recently posted…How Much Does It Cost To Cancel Your Car InsuranceMy Profile

    • Carmen Edelson

      Yes, it’s so important!

  13. Thanks for such a great article….
    if you are going on a vacation this summer you probably already booked some of the key elements travel insurance plan don’t cover pre existing conditions. if you get sick on the road , yes travel insurance there for you

    • Carmen Edelson

      Yes, this is very true!

  14. I like your site. Its really so helpful for me. i am from USA and travelling is my passion.
    DODO recently posted…Custom Kraft Boxes? It’s Easy If You Do It SmartMy Profile

    • Carmen Edelson

      That means so much, thank you!

  15. Thank you! If you ask me, travel insurance is never a bad idea. Who knows what might happen?

    • Carmen Edelson

      Yes, better to be safe than sorry!

  16. Dear Carmen,
    Thank you for this great article. I am one of those who goes nowhere without Travel Insurance. Until you aren’t hit by a problem , everything looks fine. But once you are in it , than your trip becomes a disaster. Once on my trip i got Ear infection and it was very severe . I suddenly got dizzy and even could not walk. After a call to my Travel Insurance provider, i was taken to the Hospital by ambulance and given treatment without any costs. So whenever i go abroad i take Travel Insurance with me, i know how much benefit it has when you are in trouble.
    Keep the good work going Carmen. Wish you good-luck in your further endeavors.

    • Carmen Edelson

      I’m sorry that happened to you but I’m glad you were covered!

  17. I remembered when I traveled to an Asian country where they have offered me a travel insurance to choose whether I pursue it and charge me if not, they are going to sign for a wave. Hmmm, we had a long conversation and ended up availing on for my trip.
    Betty recently posted…Improving Your Business with Internet MarketingMy Profile

    • Carmen Edelson

      I hope to never have to use it but I’d rather be safe than sorry 🙂

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