The Benefits of Buying Travel Insurance

LT Globetrotter

March 17, 2023
Couple walking their bikes while touring a foreign city

Why do you travel? Perhaps you like to discover new places and meet new people. Or maybe you want to open your imagination and find adventure. There are so many reasons to step outside of your comfort zone—but unfortunately, those experiences can be ruined if you suffer from an illness, lose your personal property, or otherwise get into trouble on vacation. 

While you can’t control everything, you can buy travel insurance to help protect yourself against these types of situations. Keep on reading to find out why purchasing travel insurance is as important as packing your toothbrush, and to learn more about Allianz Travel’s comprehensive benefits and coverage.

If You Need to Cancel a Trip, You Can Be Reimbursed

No one ever wants to cancel a vacation at the last minute, but mistakes, accidents, and unforeseeable events happen. Some travel providers will sympathize about the fact that you’ve fallen sick or been summoned for jury duty, but the majority are unable to offer refunds. In other words, all the money you spent weeks, months, or years saving for your trip to the Caribbean will be lost. 

That’s where travel insurance can help. With trip cancelation benefits, you may get reimbursed for pre-paid costs as long as you cancel your vacation for a covered reason. These will vary depending on the insurance plan you choose, but may protect you during the following:

  • An unexpected death, illness, or injury of a family member
  • A natural disaster that renders your destination uninhabitable
  • A subpoena to be a witness or other legal obligation
  • An involuntary termination from your permanent employment
Young woman in a leg cast speaking on a mobile phone

If You Get Sick or Hurt While Traveling, You Can Receive Medical Care

Traveling often gives us an excuse to be adventurous and try new things, from driving a scooter through the streets of Italy and bushwalking in Australia to bungee jumping off the highest towers in Asia. While these types of activities are guaranteed to get your adrenaline pumping, they may also lead to lacerations, broken bones, heart attacks, and other medical emergencies. 

Like we said before, accidents happen—and it isn’t easy (or affordable) to receive treatment when you’re overseas. In fact, many foreign facilities refuse to accept US health insurance and require upfront cash payments. That’s why it’s always a good idea to purchase Allianz Travel insurance with emergency medical benefits: it may cover the costs of medical and dental procedures, transportation services, and more.

If You Lose Your Luggage, You Can Replace Essential Items

In the grand scheme of things, losing a suitcase isn’t the worst thing that can happen to you on vacation. It certainly is a pain though—especially if airlines are difficult to communicate with or unenthusiastic about offering assistance. Not to mention, if the luggage isn’t safely returned, you have to replace all the personal property that was inside of it.

In these instances, travel insurance plans with baggage benefits can help you recoup:

  • The cash value of your lost, damaged, or stolen luggage
  • The price of the reasonable additional purchase of essential items
  • The cost of high-value goods, such as jewelry and electronics

Read this section of your plan carefully to understand what is or isn’t protected by your travel insurance. It’s also a good idea to document the items you bring on your trip (either by taking photos or making a list) in case you do need to file a claim.

Woman walking in a foreign city and speaking on the phone with a travel insurance representative

If You Need Assistance, You Can Chat Directly with a Travel Expert

Whether you’re traveling solo or with a group, it can be comforting to know that help is just a phone call away. Hence another reason to buy travel insurance. Many providers, including Allianz Travel, offer 24-hour assistance. 

Facing a medical emergency? Trying to track down a lost passport or stolen wallet? Dealing with the aftermaths of a natural disaster? No matter what (or when) disaster strikes, you can trust that there will be a dedicated expert available to help make things right.


Whatever reasons you choose to explore the world, Allianz Travel ensures your once-in-a-lifetime experiences are protected. Learn more about its convenient and affordable travel insurance plans, or get in touch with Liberty Travel to discuss your coverage options.


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Disclaimer: This sponsored story was written by Liberty Travel on behalf of Allianz Travel.

LT Globetrotter

As fellow travelers, our people are always on the move discovering new destinations. On the occasions they take a break from exploring, they love to write up a few stories about their adventures before they leave for the next one, so you can enjoy expert tips, news, and recommendations to use for your own travels.

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