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When is Travel Insurance Unnecessary?

When is Travel Insurance Unnecessary?

Travel insurance is designed to cover trip cancellation, trip interruption, emergency medical, loss of luggage, travel delay, baggage delay, accidental death and dismemberment and many other benefits.

For most trips, buying appropriate travel insurance is highly recommended and necessary. However, for some trips, it may not be worth it.

  • Trips closer to home

    All travel insurance plans cover you only when you are going at least 100 or 150 miles away from home. Therefore, if you are traveling very close by, you can’t buy travel insurance.

  • Last-minute domestic trips

    If you are traveling domestically with no advance booking, you don’t need travel insurance. You are not going to cancel the trip. Therefore, you don’t need trip-cancellation insurance. And your domestic health insurance will cover you wherever you go in the United States.

  • Low-cost domestic trips

    If you are going on a $99 flight for a long weekend to meet your family or friends within the United States and will stay with them, you don’t need to buy travel insurance. Even if you have to cancel the trip, you don’t have much to lose, and you can manage the losses.

    Again, your domestic health insurance will cover you for medical needs.

    Of course, you could get coverage for travel delay and loss of checked luggage, but the cost of travel insurance may not be worth the coverage.

  • Affordable prepaid, nonrefundable trip expenses

    If you can easily afford to lose your prepaid, nonrefundable trip expenses, you don’t need to purchase trip-cancellation insurance.

  • Need-only term life insurance

    If you don’t already have life insurance, you can purchase term life insurance just for the travel.

For all other trips, you should highly consider purchasing travel insurance.

In any case, if you are traveling internationally, you should buy travel insurance. For any medical emergencies overseas and emergency medical evacuation, travel medical insurance is necessary.

Some people just think that their domestic medical insurance will cover them and that buying travel insurance is not necessary. However, it is critical to purchase international travel insurance.

Some people think that their credit card will provide the travel insurance and therefore buying separate travel insurance is not necessary. Unfortunately, credit card travel insurance can be quite limited. Thus, purchasing travel insurance from a third-party insurance company is recommended.

Few people consider purchasing travel insurance from a travel provider. However, buying cruise travel insurance from a cruise line is not a good idea.

It is the best to purchase travel insurance from a third-party comparison website such as this one, where you can get instant quotes from multiple products, compare them side by side and make an immediate purchase online.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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