Is Travel Insurance Worth It? Here’s Why I Say Yes
- chasingmemoriesco
- Jun 30
- 5 min read
Updated: Jul 14
I'm going to get into the nitty gritty of why I think travel insurance is essential, especially for international travel. But here's the TL;DR (too long didn't read version)– My Favorite Travel Insurance Company
And my other favorite company (check both companies to see which plan fits your needs best).
If you don’t want to read all the details, here’s the quick version:
I always buy travel insurance—and I always use Travel Insured.
Here’s why:
Their plans cover major issues like trip delays, cancellations, and lost luggage
Some policies include rare coverage for emergency evacuation due to natural disaster or political unrest
You get access to a 24/7 global assistance line that will help coordinate care or logistics if something goes wrong
And—this one’s big for me—they offer add-on bundles tailored for things like flights or cruises
As someone who tends to spiral about “what if” scenarios, the peace of mind this gives me is invaluable.
👉 Click here to get a personalized Travel Insured quote It’s fast, free, and tailored to your actual trip details.
Why I Always Travel with Insurance
If you’re planning a trip and wondering whether travel insurance is worth the added cost, I get it. When you’re budgeting for flights, hotels, meals, and experiences, it’s easy to skip something that feels optional.
But for me, travel insurance isn’t optional—it’s essential.
I’m an anxious traveler. I’m constantly running through backup plans in my head, especially when I’m flying solo or traveling with my family. What if we get stuck in a storm? What if someone gets sick? What if a passport gets lost?
Travel insurance doesn’t just protect my money—it protects my peace of mind.
Why I Use Travel Insured
There are plenty of travel insurance companies out there, but I keep coming back to Travel Insured. After comparing countless options over the years, here’s what stands out to me:
🛡️ Real Emergency Support
Their policies don’t just reimburse you—they actively support you. Some of their plans include emergency evacuation during political unrest or natural disasters, and that's a huge game changer for me. Their 24/7 assistance line will help coordinate the evacuation, arrange transportation, and get you to safety, all while covering the costs.
⏱️ Faster Benefits
With their Worldwide Trip Protector Platinum plan, benefits like trip delay and baggage delay kick in after just 3 hours—not 6, 9, or even 12 like many other plans.
✈️ Optional Coverage Upgrades
They offer add-on bundles like the Cruise Bundle or Flight Bundle, which provide enhanced protection for things like missed ports or tight flight connections. These optional features make it easy to tailor your plan to the type of travel you’re doing.
Many people ask me if they even need travel insurance when their credit card already provides some protection. The answer is—it depends on your comfort level, your trip type, and how much coverage you want.
Here’s a general comparison to explain the difference: Keep in mind policies vary.
Feature | Credit Card Coverage | Travel Insured |
Trip cancellation | ❌ Limited reasons | ✅ Broad covered reasons (with CFAR upgrade available) |
Trip delay (after 3 hours) | ❌ Rarely covered | ✅ Platinum plan covers after 3 hrs |
Emergency medical | ✅ Some cards (e.g., $2,500 on CSR) | ✅ Included with high limits |
Medical evacuation | ✅ Up to $100K–250K on select cards | ✅ Often higher limits + coordination |
Natural disaster/political evacuation | ❌ Not included | ✅ Included in select plans |
Global 24/7 coordination | ❌ Uncommon | ✅ Included |
Cruise/flight-specific coverage | ❌ Not available | ✅ Available as add-ons |
I personally carry both—because I like having as much coverage as possible, and I trust a company whose sole focus is travel insurance to show up for me when it counts.
For me the problem with travel insurance benefits on credit cards is they make it really challenging to know what your policy is and what coverage it would offer. So many people travel thinking they are "covered" by their credit card, only to come back and find that in reality they weren't actually covered like they thought they were.
Another Trusted Option: Allianz Travel Insurance
While Travel Insured is my top recommendation for many travelers, Allianz Travel Insurance is another excellent option that I’ve personally used and trust. Allianz is one of the most established names in the industry, known for its decades of experience, 24/7 global assistance, and consistently strong customer service—something I’ve experienced firsthand on multiple trips.
They offer a variety of plans to fit different trip styles and budgets, with primary emergency medical coverage, trip cancellation and delay benefits, and a straightforward claims process. Whether you're planning a family vacation, an international adventure, or a business trip, Allianz is a solid, reputable choice.
👉 Check out Allianz Travel Insurance here
This is an affiliate link, which means I may earn a small commission at no extra cost to you. I only recommend products I personally use and truly believe in.
Real-Life Example: It Paid Off
I gained my first solid testimony of travel insurance on our family's first international trip to the UK. We did NOT have travel insurance for that trip because I was assured by my health insurance company back home that we'd be covered with no problems. And I had credit cards with travel insurance benefits. And it's the NHS, it's supposed to be free, right?!?! WRONG. On all 3 parts. When my 3 year old fell off a innocent little log ladder at a playground in London we wound up on the hook for the bill, and the hospital all but held us hostage making us pay before we left. We then spent the next 6 months fighting out health insurance and our credit card to cover the expense, only to be denied over and over. That was a VERY rough way to learn the importance of not just a travel insurance policy but the RIGHT policy.
Since then we’ve had several situations while traveling where we needed to use our policy—and every time, I was so grateful I had one.
From unexpected illnesses to delayed bags to family emergencies, Travel Insured helped reduce stress during moments that could’ve been financially and emotionally overwhelming.
And for someone like me—who naturally thinks through worst-case scenarios—that backup plan is everything.
What I Look for in a Policy
I can’t tell you what to buy (every trip and traveler is different), but here’s what I personally look for—and why I keep choosing Travel Insured:
✅ High medical coverage limits
✅ Fast benefit activation (like 3-hour delays)
✅ Cruise or flight-specific add-ons
✅ Support for political unrest or natural disaster evacuations
✅ A responsive, helpful claims and customer support team
If you want to explore your options, I’ve partnered with Travel Insured to make it easy to request a quote that’s tailored to your trip.
👉 Click here to get a Travel Insured quote No pressure, no spam—just a tool I use myself for every international trip.
Bottom Line
If you’ve never had something go wrong on a trip, I hope it stays that way.
But if you’re like me—someone who wants peace of mind before boarding a plane—travel insurance is worth every penny.
Travel isn’t always smooth. Flights get delayed. Bags get lost. Emergencies happen. But when I have travel insurance in place, I can stop fixating on the “what-ifs” and focus on why I’m traveling in the first place: to chase memories, not stress.
Ready to protect your next trip?
It helps support my business at no extra cost to you—and helps you travel smarter, not harder.
This website reflects my personal experience and opinions as a Travel Insured partner. I am authorized to offer their plans under their licensure. Coverage depends on the specific policy purchased, and benefits may vary by state and circumstance. Please review all plan documents before buying.This post contains affiliate links, meaning I may earn a commission if you purchase through my link—at no extra cost to you.
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