Working in the travel industry I’ve had the privilege of exploring some of the most incredible places on Earth—and helping others do the same. But even with the best-laid plans, life can be unpredictable. I recently experienced that firsthand when a dream trip was unexpectedly cut short.
Earlier this year, I had to return home early from my cruise from South Africa to Madagascar, and the Seychelles, and cancel a long-awaited, bucket-list trip across Canada. My mum had fallen ill, and heartbreakingly, she passed away shortly afterwards. This photo was taken just hours before we got the news and we were on our way home less than 12 hours later.
Not only was this an emotional and deeply personal time, but the financial impact was also significant. We had to purchase new international flights, missed more than half of our cruise, and paid cancellation fees for our Canada trip which we were due to take in June. In total, our losses were around £10,000.
Thankfully, I had comprehensive travel insurance, and was able to claim back nearly all of our costs (excluding the policy excess). The relief this brought—at such a difficult moment—was immeasurable.
This is just one example of why travel insurance isn’t just a “nice to have,” but an absolute essential. Here are the many reasons you should never travel without it:
1. Trip Cancellation or Interruption
Life is unpredictable. Illness, family emergencies, or sudden events can force you to cancel or cut short your trip. Travel insurance can reimburse your non-refundable expenses if something unexpected occurs.
2. Medical Emergencies Abroad
Medical treatment in another country can be extremely expensive—especially if you need to be hospitalised, evacuated, or flown home. Travel insurance covers emergency medical expenses, saving you from potentially devastating bills.
3. Lost, Stolen, or Delayed Luggage
Baggage issues are more common than you’d think. Insurance can cover the cost of lost or stolen items, or reimburse you for essentials if your bags are delayed.
4. Travel Delays or Missed Connections
Weather disruptions, airline issues, or missed transfers can derail your plans. Travel insurance can help with additional accommodation, meals, and transport while you get back on track.
5. Natural Disasters or Political Unrest
If your destination becomes unsafe due to natural disaster, terrorism, or political instability, your policy may help you cancel or reroute without losing your investment.
6. COVID-19 and Other Health-Related Cancellations
Many travel insurance policies STILL include coverage for COVID-19-related issues—such as testing positive before a trip, getting sick abroad, or sudden border closures.
7. Adventure or Cruise-Specific Coverage
If you’re going on a cruise or engaging in high-risk activities like skiing or scuba diving, specialist insurance can cover the unique risks these types of trips involve.
8. 24/7 Emergency Assistance
Most insurers offer access to a 24-hour helpline. Whether you’re dealing with lost passports or a medical crisis, this support can be invaluable in a foreign country.
Nobody wants to think about what could go wrong when planning an exciting trip. But travel insurance isn’t about expecting the worst—it’s about being prepared. It protects your finances, your health, and your peace of mind.
I know from personal experience how important this is. During one of the most difficult periods of my life, my travel insurance provided stability and support when I needed it most. So whether you’re heading on a weekend city break or a month-long adventure, make travel insurance a non-negotiable part of your travel checklist. Your future self may thank you for it.