Why buy Travel Insurance?
For vacation FLEXIBILITY and PEACE OF MIND. And of course, to insure against disasters and to re-coop financial loss.
There is Trip Cancelation for unexpected major emergencies, Trip Delay, Missed Connections, Baggage and Personal Effects Delayed, Lost or Stolen and more. The most important reason to purchase Travel Insurance is to protect you against Emergency Medical Expenses, Accidents and Injury.
You have NO Health Insurance outside the United States. No Medicare. No Nothing.
A medical emergency outside the US could be devastating both financially and health-wise.