Why Travel Insurance Is Important – Is it worth it?

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During my first international travel, the biggest mistake I did was not having travel insurance. Prior to booking my flights to Hong Kong, I have watched travel videos and read travel blogs. I discovered that one blogger lost her luggage. She flew from Manila to Hong Kong and checked in her luggage but the luggage never arrived in Hong Kong. It made me anxious and worried that the same thing would happen on our trip since we are also flying with the same airline. I decided that we would not check in our luggage and just bring one carry on bag per person instead. It was a great decision since we also saved money from our flight with no checked-in baggage. I didn’t know about travel insurance at that time. If only I had travel insurance, I would not have to worry about lost luggage

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Travel Insurance

Note: I am an affiliate and partner of SafetyWing. All opinions are my own and I only recommend products or services that I like. I don’t recommend anything I don’t like.

Why Travel Insurance is Important

Why Travel Insurance is Important

I have never heard of travel insurance before my first trip but I was glad that I discovered them. I no longer need to be anxious about losing my luggage anymore. Aside from lost luggage, there are also many other benefits of having travel insurance.

Travel Insurance

One reason why most travelers do not have travel insurance when they travel is because of additional expenses. Hotels, flights, food, and attraction tickets are already expensive that most travelers are not willing to have additional expenses. They might feel that it is not worth it since sometimes, they might not even need it. It’s much better to have one even when you end up not using it than not having one when you need it. I don’t have to worry about having accidents and medical bills since it will also be covered.

SafetyWing: Travel Medical Insurance

I am so glad that I discovered SafetyWing, it is one of the best travel insurance. For only 37 USD for 4 weeks or 1.32 USD per day, it is one of the most affordable travel insurance. If you are traveling in the US, it will be 68 USD for 4 weeks.


They are very flexible too. If you are traveling for a short period of time with fixed dates, you can just specify the duration of your trip. For example, my upcoming trip to Shanghai next week is only 5 days, I can just set the date on the first day of my trip and end it on the last day of the trip. I just have to apply again on my next trip. If you are traveling frequently or a long-term traveler, you can just choose your start date and cancel anytime. You can also set up auto-renewal every month so you don’t have to worry about forgetting to renew if it expires.

Benefits of SafetyWing

1. Medical

Unexpected emergencies and accidents can happen anytime during your travels. Without travel insurance, your vacation will be ruined. You saved up several months before your trip for your dream vacation then suddenly you also need to pay for hospital and medical bills. With SafetyWing, you don’t have to worry if you are in an accident or get sick while traveling and need medical assistance. Your insurance includes hospitals, intensive care, and ambulance.

Travel Medical Insurance
2. Travel

My greatest nightmare is a delayed flight. I have experienced a delayed flight during my Hong Kong trip. Our flight back to Manila was delayed for a few hours. Aside from the inconvenience, it didn’t really affect us since it is only for a few hours. However, I’ve heard horror stories from friends and other travel bloggers about delayed flights. Some flights are delayed up to 24 hours. I imagined if it will happen to me, I can imagine myself being frustrated since I would have already booked the hotel and miss my first night. All of this can be avoided with SafetyWing.

Travel Delay, trip interruption, and lost luggage are all covered by SafetyWing. Other unexpected situations such as natural disasters, political evacuation, and emergency medical evacuation are also covered by SafetyWing.

The best part about SafetyWing is you can travel to almost all countries with the exception of North Korea, Iran, and Cuba.

Final Thoughts

I’m so excited about my upcoming trip to Shanghai next week and I can’t wait to visit Shanghai Disneyland! If you want updates about my trip, follow me on Instagram and watch my Instagram Stories. I know I can just relax and enjoy my vacation with SafetyWing.

Do you also have travel insurance when you travel? If you don’t have one yet, buy one now and join over 10,000 travelers to ensure that you have a worry-free and stress-free vacation.

Get Your Free Quote For Safetywing Insurance

Let me know what your thoughts and opinions about having travel insurance in the comments. Thank you for reading! 🙂

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Ever since starting her travel blog on April 2019, Fae has loved taking photographs of new places and sharing them online. Now, in her 20s, take a peek in her life as she pulls you into a world of travel, food and lifestyle.


  • Crickette, The Things I Have to Say

    On my recent trip to Vietnam, my boyfriend fell ill and suffered a high fever. We had to rush to the hospital because he also recently had surgery, so I wanted to make sure it wasn’t infection from that.

    I really wished we had travel insurance. I only realized its importance when we were paying a large sum at the French Hospital. I chose to take him to an international hospital because I was worried about the language barrier.

    Anyway, lesson learned. Thanks for the tip. This travel insurance sounds like a good deal.

  • Image Earth Travel

    Great write-up!
    I’ve travelled with travel insurance for over 30 years and the only time I tried to make a claim, the company wouldn’t have a bar of it as we weren’t retuning home for another few months. Regardless, I still travel with insurance.


    Thanks so much for this recommendation. I love that you get so much on safety wing for such an affordable price. I’ve done some long term traveling in Asia and Europe and this is by far the best price I’ve seen!

    • Nichelle

      Just like you, I didn’t initially know about travel insurance when I first started traveling a lot. I thought it was a waste of money. Now that I know better, I will never travel without it.

  • Searcy

    These are some great tips for anyone traveling. Insurance is always at the top of our list when traveling. Thanks for sharing.

    • Cindy

      I have experienced two instances where travel insurance was necessary. I personally lost several thousand dollars because I didn’t have it. A friend had it and saved several thousand dollars when she was injured on her trip.

  • Audrey

    We never travel without travel insurance! For the money you pay, it’s a lot more worth it than to have to pay unknown fees and other charges. I highly recommend it!

  • Kuntala Bhattacharya

    Yes I agree with you. Travel insurance is important. In fact while I travel for business , my company ensures insurance is ready always. In personal trips too we prefer it.

  • Stephanie

    I have never done travel insurance, but we haven’t traveled out of the country for many years. I think if we were, especially if the kids are with us, I would look into it. I hope you have an amazing trip to Shanghai!

  • Trent A Peek

    I always have travel insurance because you never know when something can happen. This is a great post for those who don’t buy travel insurance. Hopefully, it will change some travelers’ minds.

  • Sundeep

    It is very important to take out travel insurance, even if it tightens your budget a little. I always take travel insurance and I know the value of that. Thanks for sharing this useful article with us

  • Ruth I

    You won’t see it’s value til you reach a time you’d need it. 10/10 I think it’s important. No way I’m travelling not insured.


    This is really worth it and needed by most travelers. Because we don’t know what would happen on our trip. sometimes there’s some bad things happen. So this is very important. Thanks for reminding everyone how insurance so important while we are travelling.


    I really Agreed on you! It’s cost you a thing, But in the end if anything happens. It could be a big help on you. but if you prefer not to cost you. you are definitely right to bring only a carry bag.

  • AMY

    I will never go anywhere without my insurance. It’s very useful every time you travel. It’s for your own good and safety too. This article is 100% right!

  • Jasmine M

    I feel like travel insurance is a must have! You never know what could happen during your trip so it is better to be safe than sorry and to be covered with insurance.

  • Bree Larson

    I have never thought about getting travel insurance. I am so glad you shared this advice and so many good points. Now I will think twice!

  • Courtney

    I always buy travel insurance these days! I had to cancel a trip because of a hurricane where we were heading and trying to get airline refunds omg!


    That sounds like a great travel insurance..! Thanks for sharing, I hope this post can convince a lot of a travelers to have one. Nice blog..!

  • aisasami

    I usually don’t get travel insurance because a) I travel inside the country and b) I go home (I live in Japan but I go and see my hometown once in a while). My sister did get travel insurance this year, but didn’t have to use it luckily!

  • Kiwi

    I do think travel insurance is important and I am grateful I never had to use it. When I go on my huge trip next year I am getting travel insurance.

  • Arunas

    I am an EU citizen, so I always take my European Health Insurance Card with me on all trips abroad. This card is proof that I am insured in an EU country. If you are an EU citizen, you can get it for free from your health insurer.

  • Melanie williams

    Totally agree with you on this one. Travel insurance is an absolute must without it anything happens and there would be problems xx

  • Christa

    I just got back from Shanghai! It was a big trip and although I didn’t need it, I’m so glad I had travel insurance. Have a wonderful trip!

  • Annemarie LeBlanc

    As often as we travel, we always make sure that we do have insurance. It is a must because you will never know what can happen while traveling abroad. Hopefully there will be no untoward incident, but as I said, you never know.

  • Juergen Klein

    Safety Wing is unfortunately one of the most “ageist” companies I know of. We’re both over 60 – just enter the age and you see that they basically don’t want us (or think we must be rich, which we aren’t). And after 69 – bad luck – we don’t want you at all. Stay at home ant rot! :p

  • Karen

    We have had our issues with travel insurance in the past and to be honest I still sit on the fence. For our first two years of travel in Europe we had cover and for our last 18 months we have been without. Europe I think is different though for us Brits all the time we have our EHIC agreement with the EU. Although I think Brexit will put a different complexion on the matter for us next year.

  • Bree

    Im so glad you wrote this post. I have heard so many bad stories of people not having travel insurance. I have to have it. I have chronic illness’s and the outcome could be very nasty and expensive if I don’t. I even do insurance for travel within australia.

  • Ann

    You have a good point Fae 🙂 I am one of the once that dont have an extra travelinsurance, and I do agree that I really should have that. I have through my creditcard, but I will look into whats the best Swedish insurance. Thanks for pushing me into it 🙂

  • John Jacobs

    Well written post. Consider a comparison post of Safety Wing and Insured Nomads. I had been going with Safety Wing until I found the World Explorer plan from Insured Nomads.

  • Becki

    I’m always shocked by how many people don’t bother to get travel insurance when they travel. After booking my flights, it’s always the next thing I do. It’s only a tiny expense for the peace of mind you get knowing that you are covered while you are away.

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