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Travel insurance can be a big help when traveling on your vacation. The question, though, is when do you really need to purchase travel insurance and why? Here is a list of times when you should consider purchasing travel insurance.

Traveling abroad – Whenever you travel outside of the country, you should always have travel insurance in place. It’s too easy to lose your luggage in those long trips that often require switching of planes.

You also have to consider that when you’re traveling abroad, your health insurance may not cover any medical costs that occur outside of your country. Travel insurance will cover you for any lost items and emergency medical costs that you incur while you’re outside of your own country.

The insurance can cover a good portion of what you lost or your medical bills, so take advantage of it. It’s better to be safe than sorry in these situations.

Traveling with expensive equipment – If you own a laptop and plan to take it with you on your long distance trip, you should consider getting it insured. All too often, laptop owners have their laptops stolen while they’re away from their car or while you’re away from the hotel room.

Laptops are expensive to replace – like other expensive items, such as jewelry. Travel insurance will help you recover a portion of the loss of that item, enabling you to replace it easily.

It also helps covers the costs when an unfortunate accident occurs. It’s better to pay a little money for the insurance then to get socked with a major loss because something happened while you were on your trip.

Planning an expensive trip – If you’re going on an expensive cruise, traveling abroad or flying first class on a popular airline, you should consider travel insurance. It will cover you in case something unforeseen happens.

If you have an unexpected death in the family right before you’re about to leave for your trip, the insurance will keep you from losing your money. If the airline you’ve booked a flight with all of a sudden goes bankrupt right before your trip, the insurance will cover the loss there.

Don’t assume the airline will honor your flight booking and give you a refund in the event they file bankruptcy. It’s not likely that will happen, since they’re filing bankruptcy for a reason.

Travel insurance can be a huge help to you anytime you travel a long distance, abroad or with expensive items. Keep your traveling investment safe by purchasing some kind of travel insurance and avoid those unforeseen things that happen which end up costing more money in the end.

Travel insurance covers many different things, so do your research and what each company offers. Determine what you really need and protect yourself the next time you plan to travel.