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Whether you’re planning a short overseas trip or the holiday of a lifetime, consider taking out travel insurance so you can enjoy every day of it knowing that you’re covered for unfortunate events that may occur.

There are three main concerns for travellers:

• -Trip cancellation
• -Lost or stolen baggage or personal possessions
• -Medical emergencies

You can purchase insurance to cover each of these concerns.

Trip cancellation insurance will cover you if the tour operator or travel agent goes out of business after you’ve paid for your trip, or if you have to cancel your trip due to circumstances specified in your policy. This might include illness, job loss, or even changing circumstances in the country you were destined for that make travel there no longer safe.

Whether the airline loses your baggage, your hotel room is broken into, or your handbag snatched, travel insurance for personal possessions is likely to cover it. Before paying for unnecessary insurance, check your homeowner or renters insurance policy to see if there is coverage for your personal possessions away from your residence, and overseas.

Medical insurance for travel is a very wise purchase. It should cover the cost if you need to be evacuated after a medical emergency, if you need to be rescued after an accident, or if you need medical treatment for illness or injury in a foreign country.

If you’re considering travel insurance, contact Family Insurance Services for a free quote and more information.