Travel insurance is a smart decision for anyone who is planning to travel. There are all kinds of reasons why it might be necessary, but many people don’t know exactly what they need and why they need it. We’ve put together this guide to answer some common questions about travel insurance and address the most common misconceptions people have about the coverage.

What Travel Insurance Isn’t

  • Travel insurance is not a substitute for health insurance.
  • Although travel insurance can cover some medical expenses in the event of an accident or illness, it’s best to have your own private health plan.
  • You should also carry your birth certificate and proof of citizenship with you at all times while traveling outside the United States, even if you are only going on a short trip within your home state or country. If you lose these documents, it could be very difficult (or impossible) for you to travel back into the U.S., as well as other countries that require ID from all visitors entering their boundaries.

There is no reason to purchase travel insurance if your trip cost is low.

  • “There is no need to purchase travel insurance if your trip costs are low.”

The truth is, the risk of losing money on a trip is higher if you have less money invested in it. While a $5,000 loss might not be devastating to someone who has $150,000 saved up for retirement, it could mean that person never sees those savings again at all. That’s why we recommend purchasing travel insurance for any trip costing more than $1,500 (and even then you may want to consider it). Here are some examples of common low-cost trips:

  • A student traveling from New York City to London for spring break with friends and staying at hostels each night could easily spend more than $1,500 on airfare and accommodations alone without even factoring in food or transportation costs.
  • An active retiree traveling by herself through Bali using public transportation throughout her stay can easily spend over $1k on one week’s vacation alone—especially if she stays at hotels rather than hostels like our aforementioned student!

When you are injured, you can count on your health insurance plan to cover the expenses.

While health insurance plans are designed to cover medical expenses, travelers often find themselves in situations where their health insurance plans won’t be enough. When you are injured, you can count on your health insurance plan to cover the expenses. However, if you need medical attention while traveling abroad or if you get sick from food poisoning or other illnesses that aren’t considered pre-existing conditions (i.e., they’re not related to something that was already wrong with your body), then it’s unlikely that these costs will be covered by your health insurance plan alone.

This is why travel insurance exists: it covers more than just medical expenses and can fill in the gaps left by a basic policy — like covering lost luggage or canceling flights due to weather events.

Some people have both travel and health insurance but others do not; however, most people have at least one of these policies since they’re affordable and affordable coverage is important when traveling abroad!

A comprehensive coverage plan is always more expensive than a basic one.

This is a common misconception. You can get a plan that provides more coverage, such as trip cancellation and medical evacuation at no extra cost or even with a small discount.

For example, when buying an insurance policy on UK’s leading travel insurance website,, you can choose from different levels of cover called plans. The most expensive one covers everything (like medical expenses and lost baggage) while the least expensive doesn’t cover any medical expenses or cancellations. It’s important to know that all plans are equally valid in terms of their legal obligations; it’s only the amount of coverage provided that varies from plan to plan.

The best policy is a plan that costs you the least amount of money.

In the end, it all comes down to finding a policy that best suits your needs. The best policy is one that covers you for the things that are important to you. If something happens and you aren’t covered, then it doesn’t matter how cheap a plan was – it won’t be worth much at all.

When looking at common travel insurance questions and misconceptions, it’s worth remembering that the goal of any good insurance policy is not just to help protect against losses or liabilities but also provide peace of mind when traveling abroad or away from home. As such, having an understanding of what each type of coverage offers will help ensure you’re getting exactly what works best for your individual situation and needs before making any purchase decisions!

Travel insurance covers many more conditions than most people think it does.

Many people think that travel insurance only covers medical expenses in the event of an accident or injury. In fact, travel insurance covers many more conditions than most people think it does. Travel insurance covers lost luggage, lost or stolen items and trip cancellation as well as trip interruption and evacuation/repatriation.

Travel insurance policies are divided into two types: single-trip policies and annual multi-trip policies. Single-trip policies cover a single trip while annual multi-trip policies cover multiple trips within one year’s time frame (usually 12 months).


The most important thing to remember when you are buying travel insurance is that it is always better to have some kind of protection than none at all. The best way to do this is by finding an affordable, comprehensive policy that covers as many situations as possible. You’ll never know if something happens until it does; so be prepared for the worst and hope for the best!