Why you need travel insurance and how it protects your peace of mind
We get it. Travel insurance can feel unnecessary. You pay every year and never claim. It seems like money better spent elsewhere.
That is, until something goes wrong.
In that moment, your annual policy becomes a safety net. Without it, even a short trip could turn into disaster.
Let’s explore what happens when you travel without insurance and why cover is essential.
Why does every trip need protection?
Most people assume nothing will happen. That is understandable.
However, cancelled flights, stolen bags, and medical emergencies occur every day. These events are common and often unpredictable.
If you are uninsured, one issue can ruin your plans. It may also cost you thousands. With the right cover, you get support, fast recovery, and peace of mind.
The true cost of skipping travel insurance cover
You may think you are saving money. But are you?
An annual policy could cost around sixty pounds. Over three years, that’s less than two hundred.
In contrast, a single medical emergency abroad could cost thousands. If your five thousand pound holiday gets cancelled, that is money gone without cover.
People often focus only on the premium. But the real cost is what you stand to lose without protection.
What happens if you travel underinsured?
Imagine this. You’re overseas and fall ill. You need urgent medical help.
Suddenly, you’re facing high hospital bills. You may need an early flight home.
And if you are uninsured? You will be paying every cost yourself.
There is more. You might miss a flight, lose your passport, or find your luggage damaged. These are stressful situations that can get very expensive.
With the right policy, these events are easier to manage and recover from.
Even the UK government recommends travel insurance for every trip. Read their official advice here.
Travel insurance protects more than just your health
Most people think insurance only helps in medical emergencies. That is not true.
It also helps when:
- Flights are delayed or cancelled
- Your trip ends early
- Bags fail to arrive
- You are liable for accidental damage
As a result, your policy protects your time, your money, and your plans. Not just your wellbeing.
Even wealthy travellers need travel cover
You might be able to afford the risk. But is it worth it?
Many high net worth travellers carry valuables. Some fly often or visit remote destinations. These factors increase risk.
That is why having the right cover is still essential. Smart travellers prepare not just for the journey but for the unexpected too.
Your policy should reflect how you travel
At Robison & Co, we tailor travel insurance to your lifestyle.
We do not offer one-size-fits-all cover. Instead, we help you protect what matters most.
Whether you travel for leisure, business, or both, our advice ensures you are covered in the right way.
Want to know more about what your policy might include? Visit our Private Client Travel Insurance or Business Travel Insurance pages.
Why now is the time to review your cover
The world has changed. Travel strikes, delays, and extreme weather events are becoming more frequent.
That means insurance is no longer optional. It is essential.
Purchasing travel insurance before you pack your bags
You can’t stop bad luck. But you can plan for it.
Travel insurance helps you recover quickly. It reduces stress, costs, and confusion when things go wrong.
Cover gives you freedom to enjoy your trip with confidence.
Protect your next trip before it’s too late
A single missed flight or hospital visit can cost thousands. A tailored policy from Robison & Co could be the difference between a ruined holiday and a smooth recovery.
Still think travel insurance isn’t relevant for you?
In January 2024, the BBC shared the story of Miss Katalinic. An 18 year old women who suffered a huge medical emergency abroad that ended in 6 figures worth of debt for her family. All due to an invalid insurance policy. Read her story HERE
Contact Robison & Co today for tailored travel insurance
Speak to us today and protect your next adventure. We will help you find the right policy for your lifestyle and travel needs.
