You decided to surprise bae with a trip to the Caribbean islands or perhaps to a romantic destination, like France. The tickets are booked, and you’re ready to head off, but there’s something you might be forgetting. Overlooking the importance of travel insurance can come back to haunt you during your travels, which is why you should take care of this the moment you book your tickets.
Let’s take a look at why it’s so important to get travel insurance. I’ll also share a really useful tip that’s helped me and bae save a lot when it comes to these insurance plans.
The Role of Travel Insurance
In 2022, it’s estimated that 26 million luggage bags and pieces either got delayed, went missing, or were damaged. Imagine getting to your destination, only to find that the airline has lost your bags. That puts you in a difficult position – you’ve booked a weeklong trip for you and bae, and now your toiletries, clothes, and other things that you brought with you are gone. Even when luggage is delayed, it can still become a nightmare.
That’s where travel insurance comes into the picture. This type of insurance program gives you peace of mind. It’s a program that covers both you and bae while you’re out of the country.
What Will Your Travel Insurance Cover?
There are different kinds of travel insurance plans available, so it’s always important to double-check each option before you pick one.
Generally, these programs will cover fees related to missing belongings, including bags. You should be covered for damaged bags and personal belongings as well. When there are cancellations during your trip, your travel insurance program will usually offer some level of compensation. The same can be said for things that cause delays in your trip.
Apart from covering lost, stolen, and damaged goods, travel insurance often includes medical cover. This means you’ll be offered medical services, covered by the insurance plan, while you’re abroad.
There are usually some exclusions when it comes to travel insurance. For example, a lot of these plans won’t cover any pre-existing medical conditions, especially if you don’t declare them when you take out the plan. Many travel insurance plans also don’t cover activities that carry a high risk, such as skiing and certain winter sports.
Why Opt for Couples’ Travel Insurance?
Remember I said I’ll share a useful tip with you?
When you take out travel insurance for a black couples’ trip, you have two choices. The two of you could opt for separate plans, but here’s something that I’ve found useful: look for couples’ travel insurance.
This type of insurance gives you a single plan that covers you and bae. That’s going to cost much less compared to two separate plans. Just be sure to review the terms and coverage options before picking a specific plan.
Conclusion
Lost or delayed baggage, getting injured, and finding yourself a victim of theft – these are just some of the things that can happen to black couples traveling together. That’s why you should get travel insurance, and to save some money in the process, opt for a couples’ package.
