What If Things Go Wrong?
- Peace of Mind: Travel should be about enjoying your adventure, not worrying about the “what-ifs.” Comprehensive travel insurance offers peace of mind, knowing you’re protected against unexpected events.
- Financial Protection: Medical costs abroad can be astronomical. A minor injury could lead to enormous bills. Travel insurance covers these expenses and shields you from financial hardship.
- Coverage for Trip Interruptions: Weather, strikes, or personal emergencies can alter your travel plans. Travel insurance can cover the costs of canceled flights, unused accommodations, and more.
- Lost or Stolen Belongings: If your luggage goes missing or is stolen, travel insurance will help you recover the cost of your belongings. Without it, you might be left without crucial items or with a hefty replacement bill.
- Emergency Assistance and Evacuation: In the event of a serious emergency, insurance can cover medical evacuations, repatriation, and other vital services that get you the help you need quickly.
- Accidental Death and Dismemberment: While no one wants to think about the worst-case scenarios, this coverage…
Before we begin, let me clarify: this post isnât meant to be negative. Itâs just a realistic look at the risks of travel. Thereâs no Photoshop glamour or unrealistic promises hereâjust practical advice based on years of experience in the field. Yes, this will be a long read, as warned above, but I believe it’s worth your time.
We all know the excitement of planning a tripâwhether youâre ticking off a bucket list item, indulging in a packed itinerary, or simply unwinding for a much-needed break. However, many travelers fail to plan for the unforeseen risks that can arise while abroad. Financial issues, health problems, and safety concerns can all emerge unexpectedly. To save you money and minimize potential risks, letâs walk through some practical guidelines.
Before You Go
Take a Working Phone
A working mobile phone is essential when traveling internationally. Make sure you have a provider that works abroad, or purchase a local SIM card. Your phone is more than just for callingâit can be your lifeline. Download offline maps on your Maps app and add local language packs to Google Translate. A small but incredibly useful tip: consider writing an emergency contact number on your phoneâs lock screen. Most phones allow this feature, and it could save crucial time in an emergency.
Medical Conditions and Special Needs
If you have any medical conditions or special needs, make sure to carry a card with that information in your wallet or attached to your backpack. Include an emergency contact number, so others can act quickly if something happens.
Protect Yourself Online
In todayâs digital age, protecting your personal data is vital. Backup photos and important documents to the cloud (like Google Photos or iCloud). Additionally, consider using a VPN, password manager, and enabling two-factor authentication on your apps and websites to keep your online accounts secure while abroad.
Buy Travel Insurance
Travel insurance is essential. It covers you for unexpected costs and emergencies, whether itâs a canceled flight or a medical issue. Keep receipts for everythingâflights, tours, accommodationsâso that if something goes wrong, youâll be able to back up your claims.
During Your Journey
Know the Local Emergency Information
Emergency numbers differ from country to country. In Europe and Central Asia, for example, the emergency number is typically 112, while in the UK, itâs 999. Do a quick search to find the emergency number for the country you’re visiting, and save it in your phone. The number for your embassy is also a good thing to know, in case you need assistance from your home country.
Take a Card
When you check into your accommodation, take a business card with the hotelâs name and address. Keep it with your wallet or passport. If you find yourself lost or unable to communicate, showing a cab driver the card can help them get you back safely. Alternatively, take a photo of the front of the building. This small step can make a big difference when you need help.
Minimize Risk
Be smart about your valuables. Donât keep your wallet or passport in your back pocket. Consider using a small lock for your purse or backpack to make it harder for someone to swipe your belongings. If you make your things easy to access, so can pickpockets.
And What If Things Go Wrong?
While there are countless scenarios where things could go wrong, most risks are similar abroad to what we face at home. Cars are dangerous, and pickpockets tend to target crowded places. The most important thing to remember is that emergencies have happened beforeâprobably to locals as wellâand help is always available.
Whether itâs visiting a hospital, clinic, or police station, there are systems in place to assist travelers. Preparationâsuch as knowing the emergency number and having a working phoneâcan save you time and stress in these situations.
What About Insurances? Arenât They Expensive?
In Portugal, we have a saying: “O seguro morreu de velho,” which translates to “Insurance outlives you.” It might sound funny, but itâs a reminder of just how important insurance can be. Hereâs why you should always opt for comprehensive travel insurance:
Why You Should Always Buy Full Travel Insurance
- Peace of Mind: Travel should be about enjoying your adventure, not worrying about the “what-ifs.” Comprehensive travel insurance offers peace of mind, knowing you’re protected against unexpected events.
- Financial Protection: Medical costs abroad can be astronomical. A minor injury could lead to enormous bills. Travel insurance covers these expenses and shields you from financial hardship.
- Coverage for Trip Interruptions: Weather, strikes, or personal emergencies can alter your travel plans. Travel insurance can cover the costs of canceled flights, unused accommodations, and more.
- Lost or Stolen Belongings: If your luggage goes missing or is stolen, travel insurance will help you recover the cost of your belongings. Without it, you might be left without crucial items or with a hefty replacement bill.
- Emergency Assistance and Evacuation: In the event of a serious emergency, insurance can cover medical evacuations, repatriation, and other vital services that get you the help you need quickly.
- Accidental Death and Dismemberment: While no one wants to think about the worst-case scenarios, this coverage…