Header Notice

Winter is here! Check out the winter wonderlands at these 5 amazing winter destinations in Montana

Should I Get Travel Insurance? 10 Stories That Prove You Should!


Modified: December 27, 2023

by Anetta Lemon



Traveling is an exhilarating experience that broadens our horizons and allows us to explore new destinations. Whether it’s a weekend getaway or an extended vacation, we eagerly anticipate the adventures that await us. However, amidst the excitement, it’s important to consider the potential risks and uncertainties that come with travel.


This is where travel insurance comes into play. Travel insurance provides financial protection and peace of mind, ensuring that you are covered in case of unforeseen circumstances. While many travelers question whether it’s necessary to invest in travel insurance, numerous stories from experienced travelers attest to its significant benefits.


In this article, we will share 10 real-life stories that highlight the importance of travel insurance. These stories highlight the various situations where travel insurance has made a significant difference in people’s lives. From lost luggage and medical emergencies to trip cancellations and unexpected events, these stories demonstrate the value of being prepared for the unexpected.


By delving into these stories, we hope to provide you with a thoughtful perspective on the value of travel insurance, and ultimately help you make an informed decision on whether to invest in it for your future travels.


Story 1: Lost Luggage and Missed Connections

Jessica, an avid traveler, embarked on a dream vacation to Europe. Excitedly boarding her flight, she couldn’t wait to explore the charming streets of Paris and indulge in the culinary delights of Italy. However, her journey took an unexpected turn when her luggage went missing during a layover.


Without her belongings, Jessica felt helpless and anxious. Her carefully planned itinerary was now in disarray. To make matters worse, she missed her connecting flight due to the time-consuming process of reporting the lost luggage. Faced with the prospect of spending the night in an unfamiliar airport, Jessica dialed the emergency hotline provided by her travel insurance company.


The travel insurance representative reassured Jessica that they would take care of her situation. They arranged for her to stay in a nearby hotel and provided her with a daily allowance for essential items until her luggage was found or replaced. Jessica felt immense relief knowing that she had the support and financial protection of her travel insurance.


This story is a prime example of how travel insurance can come to the rescue when unforeseen circumstances occur. Whether it’s lost luggage or missed connections, travel insurance can provide compensation for essential items, accommodation, and additional travel expenses. It ensures that travelers like Jessica can continue their journeys with minimal disruption and stress.


Without travel insurance, Jessica would have been left to navigate the situation on her own, incurring unexpected expenses and potentially ruining her trip. This experience taught Jessica the invaluable lesson of always being prepared with travel insurance, regardless of how well-planned her trip may be.


Story 2: Medical Emergency Abroad

While on a solo adventure in Southeast Asia, Mark found himself exploring the bustling streets of Bangkok. Unfortunately, he was hit by a motorbike while crossing the road, resulting in a serious leg injury that required immediate medical attention.


As a foreigner in a foreign land, Mark was initially overwhelmed and unsure of what to do. Thankfully, he had purchased travel insurance before his trip. Mark contacted the emergency assistance hotline provided by his insurance company, and they swiftly arranged for an ambulance to transport him to a reputable hospital.


Upon arrival at the hospital, Mark received the necessary medical treatment, including surgery to repair his fractured leg. His travel insurance covered all the medical expenses, ensuring that he received the best possible care without worrying about the hefty bills.


In addition to covering the medical expenses, Mark’s travel insurance also provided support for his extended stay in Bangkok. It covered the costs of his accommodation, meals, and even arranged for a family member to fly in and be with him during his recovery.


This story showcases the vital role travel insurance plays in emergency situations. Without insurance, Mark would have been left to navigate the complex healthcare system of a foreign country while also dealing with the financial burden of medical expenses. Instead, he received the necessary care and support, allowing him to focus on his recovery.


Mark’s experience highlights the importance of having travel insurance, particularly when venturing to unfamiliar destinations. A medical emergency can occur at any time, and having the financial protection and assistance of travel insurance can make all the difference in receiving timely and appropriate medical care.


Whether it’s a minor illness or a major accident, travel insurance ensures that you have access to the medical resources you need, regardless of where you are in the world. It provides peace of mind, knowing that you’re protected in case of unforeseen medical emergencies.


Story 3: Cancelled Trip Due to Unexpected Events

Emily and her family had been eagerly anticipating their long-awaited vacation to the Maldives. They had booked luxury accommodations, planned exciting activities, and couldn’t wait to relax on the pristine beaches. However, just a week before their departure, a natural disaster struck the Maldives, rendering their destination unsafe and forcing the closure of their resort.


Devastated by the cancellation of their trip, Emily’s family faced the prospect of losing a significant amount of money they had already paid for flights, accommodations, and activities. Fortunately, they had travel insurance in place.


Emily contacted the travel insurance company, explaining the situation. The insurance provider reassured her that they would cover the non-refundable expenses and assist in making alternate travel arrangements. They worked closely with Emily to reschedule their trip to a safer and equally desirable destination, all at no additional cost to the family.


Emily’s family was able to salvage their vacation plans, thanks to the comprehensive coverage provided by their travel insurance. Without it, they would have faced a substantial financial loss and the disappointment of not being able to go on their dream vacation. The story serves as a reminder that unexpected events can disrupt travel plans, but with the right insurance coverage, you can have the peace of mind knowing that you won’t be financially burdened by cancellations.


Whether it’s a natural disaster, political unrest, or unforeseen circumstances that lead to the cancellation of your trip, travel insurance can protect your investment. It ensures that you can recover the costs of non-refundable expenses and helps you make alternative arrangements so that your travel dreams aren’t completely dashed.


Emily’s experience is a testament to the value of travel insurance in these situations. By having adequate coverage, you can protect yourself from the financial implications of canceled trips and turn a disappointing situation into a new adventure.


Story 4: Stolen Belongings During Vacation

John and Sarah were enjoying their much-anticipated vacation in Barcelona, immersing themselves in the vibrant culture and exploring the city’s historic landmarks. However, their excitement turned to shock when they discovered that their bag, containing passports, wallets, and valuable personal belongings, had been stolen during a crowded street festival.


Panic set in as John and Sarah realized the implications of losing their identification documents and access to funds. Thankfully, they had travel insurance that covered theft and loss of personal belongings.


They immediately contacted the local authorities to file a police report, which was a necessary step in their insurance claim process. They then reached out to their travel insurance provider, who guided them through the next steps. The insurance company arranged for an emergency cash transfer, enabling John and Sarah to access funds for immediate expenses.


In addition to the financial support, the insurance company also provided assistance in replacing their stolen passports and helped them navigate the local embassy to expedite the process. This ensured that John and Sarah could continue their trip without further disruptions.


This story demonstrates the importance of travel insurance in protecting against theft and loss. The emotional distress of having personal belongings stolen is compounded by the financial implications. Travel insurance provides the much-needed support in these situations, ensuring that you can recover financially and receive the necessary assistance.


Without travel insurance, John and Sarah would have faced countless challenges in replacing their stolen belongings and navigating the bureaucracy involved in obtaining new travel documents. The insurance coverage not only provided them with the financial means to continue their trip but also offered peace of mind during a stressful experience.


When planning your next vacation, it’s essential to consider the potential risks of theft and loss. Travel insurance provides the necessary protection, giving you the confidence to explore new destinations and enjoy your trip without the worry of unexpected theft or loss of personal belongings.


Story 5: Evacuation During Natural Disaster

David and Lisa had embarked on a tropical paradise vacation to Hawaii, looking forward to sun-soaked beaches and breathtaking landscapes. However, their idyllic retreat took an unexpected turn when a powerful hurricane began approaching the islands.


As the storm grew in intensity, the local authorities issued mandatory evacuation orders to ensure the safety of residents and visitors. David and Lisa found themselves in a race against time to secure their safety and seek refuge elsewhere. Thankfully, they had travel insurance that covered emergency evacuation due to natural disasters.


With their insurance policy in place, David and Lisa reached out to the emergency assistance hotline provided by their insurance company. They were immediately connected to a support team who guided them through the evacuation process. The insurance company quickly arranged for their safe transportation to the mainland, coordinating flights and securing accommodation until it was safe to return to Hawaii.


The comprehensive coverage of their travel insurance not only ensured their physical safety but also protected their financial investment. The insurance company reimbursed them for the unused portion of their trip, including prepaid accommodations and activities that were affected by the natural disaster.


This story underscores the significance of travel insurance in situations where natural disasters disrupt travel plans. It offers a safety net, ensuring that you can evacuate to a place of safety and receive the necessary support during trying times. Without it, David and Lisa would have been left scrambling to make emergency arrangements and potentially facing significant financial losses.


When planning your next trip to a destination prone to natural disasters, such as hurricanes or earthquakes, consider the importance of travel insurance. It provides the peace of mind and financial protection needed to navigate through unforeseen circumstances and ensures that your well-being and investment are safeguarded.


Story 6: Travel Companion Falls Ill

Lucy and Rebecca embarked on a thrilling adventure, backpacking through Southeast Asia. They were enjoying their time exploring the exotic landscapes and immersing themselves in different cultures. However, their journey took an unexpected turn when Rebecca fell seriously ill.


As Rebecca’s health deteriorated, Lucy knew that immediate medical attention was critical. Fortunately, both Lucy and Rebecca had travel insurance that covered medical emergencies. Lucy quickly contacted the emergency assistance hotline provided by their insurance company.


The insurance company sprang into action, coordinating with local medical facilities and arranging for Rebecca to receive the necessary medical care. Medical professionals diagnosed Rebecca with a severe infection and provided appropriate treatment, including hospitalization and medication.


Lucy was relieved that they had travel insurance to support them during this challenging time. The insurance company assisted with the payment of medical bills and even covered the additional expenses for Lucy’s accommodation and meals while Rebecca was hospitalized.


This story emphasizes the importance of travel insurance when a travel companion falls ill. It provides not only financial assistance but also essential support during difficult circumstances. Without travel insurance, Lucy would have been left to navigate the complexities of accessing medical care in a foreign country while shouldering the burden of excessive medical expenses.


Travel insurance ensures that you have access to quality healthcare and the peace of mind that you won’t be financially overwhelmed by unexpected medical situations. It allows you to focus on the well-being of your travel companion and provides the necessary support to make informed decisions about their medical care.


Lucy and Rebecca’s experience serves as a reminder that travel insurance is not only for personal protection but also for the well-being of your travel companions. Having travel insurance can make all the difference in ensuring that everyone’s health and safety are prioritized, even in challenging circumstances.


Story 7: Trip Delay and Additional Expenses

Matthew had meticulously planned a much-anticipated trip to attend his best friend’s wedding in a picturesque countryside setting. However, as he arrived at the airport ready to embark on his journey, he faced an unforeseen obstacle – his flight was delayed by a severe weather condition.


The delay meant that Matthew would miss the wedding ceremony and incur additional expenses due to the extended stay. Thankfully, Matthew had travel insurance that provided coverage for trip delays.


Matthew immediately contacted the travel insurance company to notify them of the situation. The insurance provider reassured him that they would cover the additional expenses incurred as a result of the trip delay. They helped arrange alternative flight options and reimbursed him for the unexpected costs of accommodation, meals, and transportation.


Having travel insurance proved to be invaluable for Matthew. It allowed him to make the necessary arrangements without bearing the financial burden of the prolonged trip delay. While he may have missed the wedding ceremony, he was able to attend the reception and celebrate with his friends.


This story exemplifies the importance of travel insurance in situations where trip delays result in additional expenses. It provides the necessary financial protection, ensuring that you aren’t left out of pocket when unforeseen circumstances disrupt your travel plans.


Whether it’s due to severe weather, mechanical issues, or other unforeseen events, trip delays can be frustrating and costly. Travel insurance offers coverage for additional expenses, such as accommodation, meals, and transportation, incurred as a result of the delay. It allows you to adapt to the changes in your travel itinerary without breaking the bank.


Matthew’s experience highlights the peace of mind that travel insurance brings during unexpected trip delays. It ensures that you can navigate through the challenges of disrupted travel plans without experiencing unnecessary financial stress.


Story 8: Trip Interruption for Unforeseen Circumstances

Sarah and Michael embarked on a dream vacation to a remote island destination, looking forward to a week of relaxation and rejuvenation. Unfortunately, halfway through their trip, they received devastating news – a family member had fallen seriously ill and required immediate care.


Faced with the sudden urgency to return home, Sarah and Michael relied on their travel insurance for assistance. They contacted their insurance provider to explain the situation, and the company promptly assisted them with arranging their early return.


The travel insurance covered the costs of their new flight tickets and even reimbursed them for the unused portion of their trip. This allowed Sarah and Michael to focus on their family member’s well-being without the added stress of financial burdens.


This story illustrates the importance of travel insurance in situations where unforeseen circumstances force a trip interruption. Whether it’s a medical emergency, a natural disaster, or other unexpected events, travel insurance provides the necessary coverage and support to navigate through challenging situations.


Without travel insurance, Sarah and Michael would have been left to handle the logistics and costs of changing their travel plans on their own. The insurance coverage not only provided financial protection but also allowed them to prioritize their family’s needs during a difficult time.


When planning your next trip, it’s crucial to consider the potential for unexpected disruptions. Travel insurance provides the peace of mind and financial security that you need to handle unforeseen circumstances that may interrupt your travel plans.


Sarah and Michael’s experience serves as a reminder that life can be unpredictable, and having travel insurance ensures that you are prepared for any eventuality. It allows you to make necessary changes to your itinerary and tend to urgent matters without being burdened by financial concerns.


Story 9: Emergency Medical Evacuation

Emma, an adventurous traveler, embarked on a solo hiking expedition in the remote mountains of Nepal. While enjoying the breathtaking views and challenging trails, she unfortunately suffered a serious injury that left her unable to move.


Realizing the severity of her situation and the need for urgent medical attention, Emma activated the emergency evacuation coverage provided by her travel insurance. The insurance company sprang into action, arranging for an emergency helicopter rescue to transport Emma to a nearby hospital equipped to handle her injury.


The swift response and assistance of the travel insurance company potentially saved Emma’s life. The cost of the emergency evacuation, which can amount to thousands of dollars, was fully covered by her insurance policy. This ensured that Emma received the critical medical care she needed without any financial burden.


Emma’s story highlights the crucial role of travel insurance in situations where emergency medical evacuation becomes necessary. In remote or inaccessible locations, it can be challenging and costly to arrange for transportation during a medical emergency. Travel insurance provides the necessary coverage and support to ensure that prompt and appropriate medical attention is accessible.


Without travel insurance, Emma would have faced tremendous challenges in arranging her evacuation and covering the associated expenses. The financial implications alone could have resulted in delayed or inadequate medical care.


When embarking on adventures in remote or high-risk areas, having travel insurance with comprehensive emergency medical coverage is essential. It provides peace of mind, knowing that should a medical emergency arise, you are adequately protected and can receive the necessary medical treatment, including emergency evacuation.


Emma’s experience serves as a reminder to always prioritize travel insurance, particularly when engaging in activities or visiting areas where emergency medical assistance may be limited. It ensures that you can enjoy your adventures with the confidence that you have the necessary support in case of unforeseen emergencies.


Story 10: Unplanned Return Home Due to Family Emergency

Jason was enjoying his long-awaited backpacking trip across Europe when he received distressing news – his beloved grandfather had suddenly passed away. Overwhelmed with grief and the need to be with his family, Jason knew he had to cut his trip short and return home immediately.


Thankfully, Jason had travel insurance that covered trip interruption for family emergencies. He contacted his insurance provider to notify them of the situation, and they guided him through the process of arranging his unplanned return home.


The travel insurance covered the expenses of his new flight back, reimbursed him for the unused portion of his trip, and even provided a compassionate benefit to help with the unexpected costs and emotional support during this difficult time.


This story showcases the importance of travel insurance in situations where unexpected family emergencies arise. It provides the necessary coverage and support to navigate through challenging and distressing circumstances, allowing you to prioritize being there for your loved ones.


Without travel insurance, Jason would have faced significant financial losses and logistical challenges when reorganizing his travel plans. The insurance coverage not only relieved him of the financial burden but also offered a sense of security and assistance during a deeply emotional and trying time.


When planning your travels, it’s crucial to consider the possibility of unforeseen family emergencies. Travel insurance provides the peace of mind that, in the event of such situations, you can make necessary arrangements to return home without worrying about the financial implications.


Jason’s experience serves as a reminder to always have travel insurance that includes trip interruption coverage, particularly when traveling far from home or for an extended period. It ensures that you can respond swiftly to family emergencies and be there for your loved ones without hesitation.


By having the support of travel insurance, you can make the necessary adjustments to your travel plans, focus on what truly matters, and provide the comfort and support your family needs during challenging times.



Travel insurance is often seen as an additional expense and an option that many travelers consider skipping. However, the stories shared in this article exemplify the critical role travel insurance plays in protecting travelers from the unexpected. These stories highlight the importance of being prepared, both financially and emotionally, for a wide range of unforeseen circumstances that can arise during your travels.


Whether it’s lost luggage, medical emergencies, canceled trips, theft, natural disasters, travel delays, or family emergencies, travel insurance provides invaluable support and peace of mind. It ensures that you can receive timely medical care, be reimbursed for non-refundable expenses, and make necessary changes to your travel plans without shouldering the financial burden alone.


Not only does travel insurance protect your investment in a trip, but it also safeguards your well-being and that of your travel companions. It can provide emergency evacuation during remote expeditions, support during medical emergencies, and assistance in times of unexpected events that may disrupt your travel itinerary.


While travel insurance cannot prevent unforeseen events from occurring, it offers a safety net that alleviates the financial and emotional stress that can result from such events. It allows you to focus on enjoying your travels and creating cherished memories, knowing that you are prepared for any unexpected challenges that may arise along the way.


When planning your next trip, we strongly urge you to include travel insurance as an essential part of your preparations. Take the time to research and choose a policy that suits your needs, considering factors such as medical coverage, trip cancellation/interruption, travel delay, and baggage protection.


Remember, the cost of travel insurance is a small price to pay for the peace of mind and financial protection it provides. With travel insurance as your safety net, you can embark on your adventures with confidence, knowing that you are prepared for whatever comes your way.


Invest in travel insurance, and let your experiences be defined by joy, exploration, and unforgettable moments – rather than unexpected setbacks and financial burdens.