"Do I really need travel insurance?" might be a question you ask yourself when you plan for a trip somewhere. Well, the definite answer is "yes". Taking out travel insurance that adequately covers you for the risks you face when travelling can be the most important thing you do prior to your trip.
When planning a vacation, the priority for most of us would be finding the right flight or hotel. But aside from these essentials, your planning should also cover emergencies and times when things don't turn out perfectly. No one really wants to plan on unfortunate thing happening during a trip, but accidents and hitches do happen.
Have you asked yourself how you'll be able to pay for the hospital bill if you or a companion gets sick while you're overseas? The cost of emergency medical treatment can be shockingly high and you might need to find a way to get back home sooner than planned. There's also the risk that you would need to cancel your trip at the last minute because you or a family member gets hospitalised.