What are the Pros and Cons of International Travel Insurance?

Buying international travel insurance is an important part of travelling abroad, however, some only buy it to meet mandatory entry requirements. Trip insurance protects you from many unexpected expenses, however, you should look at the complete picture and know all the pros and cons of overseas travel insurance.

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* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years

Is it Advisable to Get Travel Insurance?

You might think that because you already have a health plan, or because you're going on an organized tour with a large group, taking out additional insurance is unnecessary. But what happens if you have a medical emergency while you're away and there's no way to get back home? What if your tour company goes bankrupt and leaves you stranded? What if they don't provide any kind of service at all?

International travel insurance is designed to cover these kinds of situations—and more! It covers lost luggage and stolen property, as well as medical expenses incurred due to illness or injury during your trip. Since it's not tied to a specific tour company, it can be purchased even if you are travelling alone or without a group.

Pros of International Travel Insurance

Pros and Cons of International Travel Insurance

International travel insurance is a must when you're going abroad. Here are some of the best advantages of international travel insurance:

  • It can cover medical expenses and other costs if you're injured or become ill while travelling.
  • You'll be able to deal with unexpected expenses, such as lost luggage or flight cancellations.
  • It can cover you for any legal fees related to accidents that happen in another country where you're not supposed to be covered by your regular insurance provider.
  • It can cover your trip if there's an emergency back home that requires you to cut your trip short or cancel it altogether.
  • The benefits of overseas travel insurance can be extended to your family too.
  • Customisable plans (optional covers can be bought for specific protection).

Cons of International Travel Insurance

International travel insurance can be a lifesaver when you're away from home. It can help you avoid the need for emergency medical care, and it can help you get back on your feet after an accident. But there are some drawbacks to international travel insurance that you should be aware of before buying it. Let’s look at some major travel insurance cons:

  • Firstly, international travel insurance isn't cheap. The cost depends on the duration of your trip and where you're travelling, but it will likely cost you 4-12% of your trip expenses. If your trip is less than a week long, then this might not be too much money to spend on peace of mind—but if your trip is longer than a week or takes place in an expensive location like Europe or Asia, then this expense could quickly add up.
  • Second, overseas travel insurance doesn't cover everything—it only covers emergencies that happen while you're travelling outside of your home country. So if something happens while you're at home (such as damage to your car), then international travel insurance won't help at all.
  • Finally, many insurance companies require that their customers purchase coverage for certain types of events before they'll sell them any kind of policy, especially if they have pre-existing conditions or some other severe risks. The travel insurance premium is usually very high in such cases, or they need to buy specific plans like senior citizen travel insurance or covers for pre-existing diseases.
  • Another disadvantage is that international travel insurance isn't always available in every country—especially if you're travelling somewhere less developed or less tourist-friendly. This means that if you want international travel insurance, you'll need to do your research ahead of time so that you know which companies offer it in your destination country and how much coverage they offer.

While these are some international travel insurance disadvantages to consider, the advantages often overshadow these. Don't forget to read up on some of the top reasons people buy trip insurance.

Top Reasons to Buy International Travel Insurance

Here are some of the most common reasons people buy international travel health insurance:

  • You're going on a trip for more than a month or with a family
  • You’re travelling with family and have a lot of pre-paid expenses that can’t be refunded upon cancellation
  • You have an existing medical condition that could get worse while travelling (heart disease or diabetes, for instance)
  • Your co-traveller has a pre-existing condition (such as pregnancy) that will affect their ability to receive medical care while abroad

Over to You,

The pros and cons of international travel insurance will help you to make the best decisions when trying to buy insurance for your trip. While some countries don’t give us an option when it comes to buying trip insurance, you should always weigh your options and choose a plan accordingly. Even when it’s not compulsory to buy travel insurance, you’re better of with a plan rather than without.

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