Travel Insurance: Is It Worth It? How to Choose the Best Plan
Travel insurance is one of the smartest things you can buy for your next trip — and it’s more important in 2025 than ever.
Image by Freepik
Traveling is a life-changing experience, but unexpected situations can happen at any time. That’s why buying travel insurance is an essential — and smart — decision. Whether it’s for medical emergencies, cancellations, or lost luggage, having a good plan can make all the difference in your peace of mind while abroad. In this article, we’ll show you why travel insurance is worth it, how to choose the best plan, and practical tips to save money.
✅ What is travel insurance and what does it cover?
Travel insurance is a service that provides assistance and financial coverage for various unexpected situations during a trip. It can include:
- Medical and hospital care in case of emergency
- Emergency dental treatment
- Reimbursement for lost or delayed baggage
- Trip cancellation or interruption
- Early return due to serious reasons
- Personal accident compensation
In some countries, like Germany 🇩🇪 or France 🇫🇷, travel insurance is mandatory for tourists — especially when visiting Europe with a Schengen visa.
✅ Is travel insurance really worth it?
Yes, absolutely. Here’s why:
- Cost-benefit: A basic plan starts at around $2 a day. A medical appointment abroad can easily exceed $200.
- Peace of mind: You travel with less stress knowing you have support for unexpected situations.
- Legal requirement: Some destinations require proof of insurance at immigration.
- 24h support: Most insurers offer 24-hour assistance in English or your native language.
In other words: travel insurance may seem optional, but in reality, it’s essential — especially for international trips.
✅ How to choose the best travel insurance plan
When buying a plan, evaluate the following:
✈️ 1. Destination
Make sure the plan covers the country or region you’re visiting. Some insurers offer specific plans for Europe 🇪🇺, North America 🇺🇸, or South America 🇦🇷.
✈️ 2. Medical coverage
Ideally, you should choose a plan that offers at least €30,000 in coverage for Europe (as required by the Schengen Agreement) and $50,000 for the U.S. 🇺🇸, where medical costs are extremely high.
✈️ 3. Sports and adventure activities
Planning to ski, hike, or dive? Pick a plan that covers adventure sports.
✈️ 4. Trip cancellation and interruption
Choose plans with reimbursement for flights and hotels if you have to cancel for medical or serious reasons.
✈️ 5. Insurer reputation
Read reviews, check complaint websites, and research whether the company has a good record in real situations.
✅ Tips to save on travel insurance
- Compare prices online: Use comparison sites like Seguros Promo, Real Seguro Viagem, or other trusted platforms.
- Buy early: Avoid last-minute purchases — prices may be higher.
- Check your credit card: Some cards offer free travel insurance, but read the rules carefully. Coverage may be limited and require tickets to be purchased with the card.
- Don’t choose the cheapest blindly: The cheapest plan isn’t always the best. It may not offer what you really need in an emergency.
✅ A culture of care: a responsible travel habit
Buying travel insurance isn’t just an expense: it’s a sign of responsibility for yourself and your travel companions. In Europe, for instance, it’s common for travelers to protect themselves with insurance — and this habit is slowly growing among Brazilians 🇧🇷 too. After all, being prepared avoids headaches (and financial pain).
✈️ Looking for Cheap Flights?
If you’re looking for ways to travel more for less, check out The Ultimate Guide To Travel Hacking Cheap Flights! This guide, priced at just $7, will teach you how to book flights for a fraction of the price, with insider tips and tricks to make your travel dreams a reality.
👉 Click here to get your copy now and start saving on your next trip!
📝 Note: Please remember that all information provided in this article should be double-checked before your trip, as rules, regulations, and conditions may change over time. It’s always a good idea to verify the latest updates from official sources to ensure a smooth and safe journey.
Note: Please remember that all information provided in this article should be double-checked before your trip, as rules, regulations, and conditions may change over time. It’s always a good idea to verify the latest updates from official sources to ensure a smooth and safe journey.
👉 Want more travel tips? Don’t miss our guide: Traveling to Brazil? 10 Essential Tips to Prepare Before You Go
Featured image by Freepik, used under Free License with attribution.