Travel Insurance Information
If you are going to take a trip you are going to want to have travel insurance. All of the bad things that can happen at home can happen while we are on vacation as well. Usually when they happen while we are on vacation they are a bigger problem to have to deal with. This is largely because being out of the country means that you won't have access to the same resources that you would at home.
The reason that you are going to want to have travel insurance is in case you get sick or injured while you are out of the country. Having to get medical care in a foreign country can be very expensive and it is unlikely that your regular health insurance is going to cover it. Therefore you are going to want to make sure that you have the coverage so that you aren't paying for your trip for the rest of your life. In many cases if you don't have insurance you won't be able to get medical care at all unless you pay cash. The doctors and hospitals are well aware that they will have no way to collect after you go home so they will expect cash payment upfront.
The other big reason that you are going to want to have travel insurance is so that if you get hurt or if a disaster occurs you can get home. Evacuation coverage is important because it could be very expensive to get you home. The last thing that you want is to be stuck in a hospital in some foreign country because you can't afford the medivac to get you home.
Things like crime will happen when you are on vacation and you are going to want to have insurance for that. When you take a trip you are usually carrying more cash than you normally would. You are probably also carrying quite a few valuables as well like cameras. If these get stolen you are going to want to have insurance coverage for it. You will also want to have access to somebody who can help you if you lose your wallet. The insurance company will usually have somebody available to help you if this happens.
You are going to want to have travel insurance to make sure that you are covered in the event that your trip gets cancelled. In fact this is why most people get travel insurance. There are lots of reasons that your trip could get cancelled, it could be that you have had a family emergency making it impossible for you to go. Or maybe the airline failed and has gone out of business; in either case it is unlikely that you will be able to get your money back. This is why you will want to have trip cancellation insurance, to make sure that you aren't paying for a trip that you didn't' take.