You should always include travel insurance when you are planning to make a trip. You may feel that the travel insurance is an unnecessary burden on your finances and you can do without it. Your belief may also stem from various myths that you may have heard and now believe.

Given below are the top 5 myths that often make people believe that travel insurance is not necessary for you .

Travel Insurance Does Not Cover Air Ambulance Expenses-

Most people are under the misapprehension that travel insurance does not cover the cost of air ambulance in case you need it during your travel. Well, to correct you, if the insurance policy is from a good company, then it will cover air ambulance costs. Just to be on the safe side, ask the insurance representative about this and read the terms and condition before you sign the dotted line. There may be certain conditions with the air ambulance expenses. Read them carefully and talk to the representative in detail.

Travel Insurance Covers All Medical Issues When You Are Travelling –

Now, this is another myth that needs clarification. You can get the necessary clarification only if you read the terms and conditions, before you sign the insurance papers. Some insurance policies have certain restrictions if you have pre-existing conditions. Ensure that the insurance that you are purchasing covers medical expenses that you feel you may need.

Credit Card Insurance Coverage is Sufficient –

You credit card may offer you some protection when you book your tickets using it. But the insurance coverage will not include everything. Essentials like medical costs, air ambulance and others may be left out. Therefore, talk to the credit card company to know the extent of coverage you will get when you are travelling.

The Airline Will Reimburse You For Cancelled and Delayed Flights –

The airline may offer discount coupons for cancellations or delay in flights but why would it offer you reimbursement. The maximum that any airline would do is to provide hotel accommodation and meal vouchers. If it does offer reimbursement, then the circumstances have to be extreme. Talk to the airline to know what their policy is. But, having travel insurance can take care of this trouble if the policy covers this aspect of the trip.

Travel Insurance is Unnecessary For Short Trips –

Wrong! You need the coverage of travel insurance irrespective of the duration and distance of your trip. Medical exigencies do not come with advance warnings. So, getting a travel insurance to take care of the medical part is necessary. You don’t want to be saddled with expensive medical treatments in a foreign place, do you? Now that you know how important travel insurance is, don’t take it as something optional but a necessity. To find out a suitable holiday or travel insurance for yourself, you can check this out. Avoiding travel insurance is one of the biggest mistakes that most travelers make. Travel Insurance helps with all major and minor exigencies like lost luggage, cancelled flights, air ambulance in case of sickness and others. Unexpected events can occur any time and anywhere. Travel insurance will cover you for all of this and more.