You might have heard of those travel horror stories on Instagram or YouTube. One great example is the lost suitcase that ended up in Tokyo. Or that missed connection in Bali. Yes, these things do happen. Even though I don’t have travel horror stories to tell (yet), I make sure that I’m ready for everything that’s going to happen during my travels. That’s why I always buy a comprehensive travel insurance policy and the right gear to minimize the damage.

Should You Get Comprehensive Travel Insurance?

Things can happen at anytime during your travel. Having insurance will cover the loss, delay, or theft of your passport or baggage. For instance, if your luggage is stolen, the policy will reimburse you for the value of those lost items. These would include your personal belongings, clothes, and electronics.

On the other hand, if your baggage is delayed, the insurance compensates for essential items that you need to purchase until you get your luggage. And if you lose your passport, your coverage helps with the cost of getting it replaced and other related expenses.

Medical Coverage

Having a comprehensive travel insurance policy also protects you from unexpected expenses when you suffer from health issues while traveling. For instance, if you get into an accident, your policy can cover expenses, such as doctor’s fees, hospitalization, and any prescribed medicines. If you travel to a location where adequate treatment isn’t available, then your policy pays for expenses associated with emergency medical evacuation.

Furthermore, if you need a visit from a close family member to be with you during your accident or illness, your coverage may pay for the associated costs. And if you need dental treatment, your plan may also cover unexpected dental emergencies. Keep in mind that dental treatment abroad can be extra expensive.

Change in Itinerary

As mentioned, anything can happen during your travel, even with the most comprehensive travel planning design. You may need to cut your trip short because of injury or unforeseen emergencies. With comprehensive travel insurance, the policy will pay you for non-refundable expenses, such as accommodation costs and flight tickets. And if you need to reschedule your trip, the policy can also cover the costs associated with changing your hotel bookings or flight.

Personal Liability

This one is essential, especially if you’re like me, who can be klutzy. With personal liability, your policy will pay for any damage you have caused to a third person. It’s a third-party liability that can be used for damage to a person or property. Then again, this coverage differs from one policy to another. That’s why it’s necessary that you read the terms and coverage before paying or signing.

The Prevention Gear

It’s true that your insurance pays you back after an accident. However, these essentials can prevent the disaster from ruining your day in the first place.

Here are some of the essential products that I always carry each time I travel.

Apple Air Tags to Stop the Lost Bag Stress

It’s exciting to travel. However, keeping track of your luggage can be frustrating. Your suitcase can easily disappear at the airport. You may also lose your important items. This is why I highly recommend the use of AirTags. They’re quite expensive, but they can give you peace of mind.

They’re tiny devices that can keep tabs on your belongings. While exploring the world, they’re your extra layer of security.

AirTags are especially useful if you have multiple bags, gadgets, and travel documents. With these devices, you’ll never lose sight of your suitcases. You can attach an AirTag to your handbag or passport holder to keep track of it. It does reduce travel stress as it gives you real-time updates on where your bag is. In that way, you can focus on your trip.

You can attach it to your checked luggage or backpack. With this tracker, you can see its location if your bag takes an unexpected detour. This is especially helpful while waiting at the baggage carousel. That means you’ll know when your bag arrives.

AirTags are also useful if you carry expensive items during your travel, like your laptops or cameras. Consider attaching these tags to these expensive items. If you accidentally leave it behind at the hotel or the airport.

On the other hand, if you’re an Android user, you may use Tile trackers. They’re the same as Apple AirTags.

Anti-Theft Backpacks to Prevent Theft Before It Happens

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It’s true that your comprehensive policy can cover theft. However, it can never replace the time lost filing a police report.

Keep in mind that theft can happen anywhere, even in the safest city. It can also be a nightmare if you lose your belongings. Investing in an anti-theft bag can help reduce the stress of theft while you travel.

Travelon is one of the popular brands that offer anti-theft security. Its anti-theft backpack locks its main compartment. This is especially useful when you’re in a crowded place. You don’t want to constantly look at the zip of your bag. This anti-theft bag has a locking clip that you can, well, clip the zips onto it and lock it. No one can unzip your backpack.

However, it can be difficult for you to access the contents of the bag when you’re in a hurry. Then again, it’s still worth it. You can keep your valuables safe, like your passport or camera, while strolling through a foreign city.

PacSafe Metrosafe X Sling is another commendable product. It has security features that keep your gear safe for your trip. It’s a sling pack where you can put your passport or money. It has slashguard that’s stainless steel wiring. If someone tries to cut a hole in it, that person can make a hole, but not extend the cut.

The main compartment has zippers with a sport locking system. It adds a layer of security to your zipper. In that way, the zipper won’t open quickly.

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Universal Surge Protectors to Protect Your Tech

Indeed, your travel insurance policy may cover accidental damage. But you can avoid frying your expensive camera or iPhone by using a universal travel adapter. It’s versatile, and it can accommodate various plug types, letting you use it in many countries.

The EPICKA Universal travel adapter has a built-in fuse to protect your devices from power surges, especially if you travel to countries with unstable grids. This is a lot easier than filing an insurance claim for your dead MacBook.

Be Prepared

Traveling abroad is exciting. But anything can happen during your travel. If you need to be prepared for anything. Don’t just hope for the best. You must plan it all out. When you pair your comprehensive travel insurance policy with smart gear, you’re guaranteed that if things go wrong, your trip stays on track.