Travel Insurance: Do You Really Need It? (Honest Guide)

Travel insurance is one of those things most travelers think about but many skip. Here's the honest truth about when it's essential and when you can safely skip it.

When You Absolutely Need Travel Insurance

**Medical emergencies abroad:** A single night in a US hospital can cost $30,000+. A medical evacuation from Southeast Asia can cost $50,000–100,000. Travel insurance is mandatory if you're visiting the US or any country without public healthcare.

**Long or expensive trips:** If you've spent $3,000 on flights and hotels, buying $80 of insurance to protect that investment is obvious.

**High-risk activities:** Skiing, scuba diving, motorbike riding, adventure activities — many require specific coverage.

**Pre-existing conditions:** Ensure your policy covers pre-existing conditions before you travel.

When You Can Skip It

**Short EU trips for EU citizens:** The EHIC/GHIC card covers most medical costs within the EU. A weekend in Paris doesn't always justify comprehensive travel insurance.

**Trips where you can absorb the risk:** A $300 domestic weekend — flight delays or cancellations are manageable without insurance.

What to Look for in a Policy

- Medical coverage: minimum €1 million, ideally unlimited - Emergency evacuation coverage - Trip cancellation for any reason (CFAR) - Baggage delay and loss - 24/7 emergency assistance line

Always read the exclusions before buying.