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For such an important product, travel insurance is often all too easy to overlook. As with most kinds of insurance, you always hope to not need it, but on the off chance that you do fall ill or injure yourself on your travels, you could find yourself facing huge bills if you don't have adequate cover.
Travel insurance is for more than just medical bills, though—the right policy will also pay out if your flight is delayed, or if your baggage goes missing, for example.
Arguably the most important thing you'll need travel insurance for is to cover you should you fall ill or injure yourself while abroad. Medical treatment can be very expensive in other countries, as can travel in ambulances should you need to be transported to a hospital from far away. Travel insurance policies will typically cover you for a huge amount of expenditure on medical bills for a relatively low upfront cost.
It's not just for medical bills though. Many policies will also cover you for:
Loss of luggage or possessions
Flight cancellation or delays
Personal liability (if you injure someone else)
Often, travel insurance providers will refuse to cover you for treatment related to any pre-existing medical conditions. This includes anything that you've had treatment for in the past.
