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Evacuation: If you need to be evacuated for medical reasons during your trip and don't have evacuation insurance coverage, you will need to pay for your evacuation. Costs can run from about U.S.$10,000 to over U.S.$20,000. We at Armchair World strongly feel that if you are going to travel where medical care is not at least equivalent to U.S. standards, then evacuation insurance is a necessity.
Accidental Injury: If you are injured on your trip and need medical and/or hospital attention and your private insurance doesn't cover you, travel insurance could help to pay some of the costs. We should note that if this coverage is not sufficient for your needs, you should consider obtaining international major medical coverage.
Trip Cancellation/Interruption: You've booked and paid for a tour or cruise; the tour or cruise company goes belly up. What happens to the money you paid? Travel insurance in many instances could protect part or all of your investment. As another example, you've pre-paid fees for travel and transportation arrangements and you've missed them because of injury, sickness, accident or airline bankruptcy. Travel insurance could help cover non-refundable pre-paid fees and travel costs.
Sickness: What if you get sick on your trip and need to stay in a hospital? If your personal health insurance doesn't cover you, travel insurance could help pay some of the costs. Again, we should note that if this coverage is not sufficient for your needs, you should consider obtaining international major medical coverage.
Baggage: You've lost you luggage; insurance can help pay for baggage replacement.
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