Going Abroad? Here’s Why Skipping Travel Insurance Is a Terrible Idea

In the excitement of planning a trip abroad—booking flights, researching must-see attractions, and building the perfect itinerary—there’s one crucial detail many travelers overlook: travel insurance.
Whether you’re headed to Europe for a romantic getaway, Southeast Asia for an adventure, or simply crossing borders for business, skipping travel insurance is a gamble that can cost you far more than you think. It’s the safety net you hope you’ll never need—but when you do, you’ll be incredibly glad it’s there.

It’s a common misconception that your domestic health insurance will cover you while you’re abroad. In reality, most health insurance policies offer limited or no coverage outside your home country.
Now imagine this: you get into a scooter accident in Bali, suffer food poisoning in Mexico, or contract an illness in Europe. Without travel insurance, a hospital visit, ambulance ride, or emergency surgery could run into thousands—or even tens of thousands—of dollars. Some countries even require upfront payment before treatment, regardless of the severity of your condition.

Travel insurance with medical coverage typically includes:
In the case of a serious incident, emergency evacuation alone can cost between $25,000–$100,000, depending on the location and nature of the emergency. With insurance, that’s one less thing to worry about while dealing with a crisis.

Weather problems. Political unrest. Personal illness. Airline strikes. Visa denials. Family emergencies.
There are countless reasons a trip might be delayed or canceled. Without travel insurance, you're often stuck holding non-refundable bookings—flights, hotels, tours, or activities you may never get to enjoy.

A comprehensive travel insurance plan can reimburse you for:
Even a few hours of delay can rack up costs for food, accommodations, or rescheduled flights. If your luggage doesn’t show up when you do, insurance can help you replace essential items without draining your wallet.

Travelers tend to assume everything will go according to plan. But nature and politics don’t always cooperate.
Earthquakes in Japan. Flooding in Italy. Protests in South America. Border closures due to unexpected government decisions. If you’re traveling to a country prone to natural disasters or political instability—even if it seems peaceful now—insurance adds a layer of protection.
Some travel insurance policies also provide “cancel for any reason” (CFAR) coverage, allowing greater flexibility in uncertain times. While this usually costs more, it can offer peace of mind in an increasingly unpredictable world.

A stolen passport. A lost laptop. Missing luggage with all your essentials. These situations don’t just throw off your plans—they can leave you vulnerable and stranded.

Travel insurance typically includes baggage and personal belongings coverage, which can:
Some premium policies even provide 24/7 assistance with local law enforcement, embassy contact, or language translation in case of theft or documentation loss.

Many countries now require proof of travel insurance—especially after the COVID-19 pandemic. Nations like Cuba, Thailand, and several Schengen countries mandate that travelers show evidence of adequate insurance before entry.
Failing to meet this requirement could result in:
Even if not officially required, some tour operators or visa applications strongly recommend or insist on insurance. Why take the risk?

One of the most common reasons travelers skip insurance is cost. But here’s the reality: travel insurance is often surprisingly affordable, especially when compared to the potential costs of going without it.
Most policies range from 4% to 10% of your total trip cost—depending on factors like age, destination, duration, and coverage levels. For a $2,000 trip, that’s just $80 to $200.
Considering the hundreds or thousands you’re investing in flights, accommodation, and experiences, insurance is a small price to pay for peace of mind.

While international travel has largely rebounded, the lingering effects of the COVID-19 pandemic—and the emergence of new diseases—continue to impact travelers.
Many travel insurance providers now include:
With global health still in flux, it’s more important than ever to protect yourself from sudden rule changes or outbreaks that could disrupt your plans.

When disaster strikes far from home, figuring out what to do next can be overwhelming. Travel insurance often includes 24/7 assistance hotlines, which can help with:
Even if you don’t end up making a claim, having a team on standby to help you navigate emergencies is invaluable.

Some travelers assume they’re covered through their credit card benefits. While certain premium cards do offer basic travel protections, there are usually limitations.

Common credit card travel insurance exclusions include:
Make sure to read the fine print. For anything beyond a short, low-risk domestic trip, credit card coverage is often insufficient on its own.

Let’s face it—travel is supposed to be fun, liberating, and restorative. Worrying about “what if” scenarios can put a damper on your journey before it even starts.
Knowing you’re covered—no matter what comes your way—gives you the freedom to truly enjoy your travels. Whether it’s scuba diving off the coast of the Philippines, hiking in Patagonia, or navigating public transit in a new city, peace of mind is priceless.

If you’re convinced that travel insurance is worth it (and we hope you are), here are some tips for choosing the right policy:
Travel is one of life’s greatest pleasures—but it also comes with risks. While no one likes to think about worst-case scenarios, being unprepared can turn an exciting adventure into a costly disaster.
Travel insurance isn’t just a “nice to have”—it’s a smart, essential tool for any international journey. It protects your health, your wallet, and your peace of mind. So before you pack your bags and head for the airport, take a few minutes to protect your trip with the right coverage.
Because the only surprises you want while traveling are the good kind.

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