Travel Insurance

When you’re planning a vacation, travel insurance is probably the last thing on your mind. You’re thinking about all the fun stuff - and why shouldn’t you be? Italy has lots of amazing sights, sounds and tastes in store for you, so it’s only fitting that you should be focused on that. But on the off chance that something goes wrong, you don’t want your whole trip spoiled because you have to pay for an unexpected stay in a hospital or something. Now, you certainly don’t want something to go that wrong… But it’s just like with umbrellas - better to take the umbrella and have it not rain than the other way ’round.

So, let’s look at the different kinds of travel insurance that are available, so you can make an informed decision about whether you want to get it and what kind is best for you.

Types of Travel Insurance

Trip Protection Insurance
This is the kind of insurance that will pay you back for most of your non-refundable trip expenses in the event of a death, sickness, airline strike, bankruptcy (on the part of the tour provider, not you!) and some “acts of nature.” It would be horrible to pay thousands on a vacation to Italy and then have to cancel the whole thing at the last minute because of some unforeseen emergency - and then to lose most of that investment because you didn’t have Trip Protection Insurance.

Click here to get more information or a quote on Trip Protection Insurance

Travel Medical Insurance
This insurance covers just what you’d expect from the name - if you have a medical emergency while you’re traveling or living abroad, this is the insurance you’d want to have. If you have health insurance coverage at home, it may or may not cover you when you leave the country - and even if it does, it may not cover all your expenses. Whether or not you have medical insurance at home, getting Travel Medical Insurance is a good idea. It will at least prevent you from worrying about spending all your savings on a medical emergency during your trip. At that point, you’ll have enough to worry about - medical insurance shouldn’t add to your stress.

Click here to get more information or a quote on Travel Medical Insurance

Flight/Travel Accident Insurance
This is very specific insurance that covers something catastrophic happening to your flight. It’s probably more for peace of mind than anything else, because you really hope to not need to call a claim in on this one.

Click here to get more information or a quote on Flight/Travel Accident Insurance

Annual Multi-Trip Insurance
Do you travel often? Would you prefer getting one package that covers you every time you leave the country over the course of a year without having to get another quote for each trip? This is the insurance for you.

Click here to get more information or a quote on Annual multi-trip Insurance

Emergency Evacuation Insurance
Italy isn’t likely to be added to the list of countries you should worry about traveling in anytime soon, but if you’re planning to do any “extreme” activities and don’t want to subject yourself to Italian hospitals this might be an insurance to consider. This insurance would, as the name suggests, evacuate you from Italy to the closest adequate medical facility - or a hospital near your home - if you became seriously ill or injured during your trip.

Click here to get more information or a quote on Emergency Evacuation Insurance

Should you or shouldn’t you?

Obviously, whether you invest in travel insurance is entirely your call - most budget travelers never consider it, while some people would never travel without it. For those of you who have never even gotten a quote, it would be a good idea to at least click on one of the links above and see what it would cost. It often costs a lot less than you think it will, and then it becomes an easy decision. Especially as compared to the cost of your vacation, travel insurance is downright cheap. And if it gives you (or your loved ones) a little peace of mind, it’s probably worth it. Well, it’s worth at least getting a quote. In fact, if your family is asking you what they can get for you for your trip, and they won’t accept the suggestion of “cash,” let them get you travel insurance - they’ll feel better and you’ll travel safer.

Keep in mind that none of these types of insurance cover theft or loss of the stuff you’re carrying with you, like your laptop or iPod or Eurail Pass. For your personal items, check with your homeowner’s or renter’s insurance to see whether they’ll cover those things when you’re traveling. For things like a Eurail Pass, there is an insurance policy you can buy when you buy the pass itself that will refund your train expenses in the event you lose your pass or it gets stolen.

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