Why You Should Get Travel Insurance

On a white table sits a pile of stacked passports, flight tickets, an airplane, and a stethoscope. The featured image in Jaya Travel & Tours blog, "6 Reasons to Get Travel Insurance," which describes why travelers should buy trip protection.

Only a few years after the pandemic put an indefinite hold on travel, our vacation plans are finally happening! As travel professionals, we strongly recommend insuring every trip against unforeseen circumstances, delays, cancellations, and more. Having travel insurance and trip protection is now as crucial as remembering to pack your toothbrush.

Read on to learn more about how Jaya Travel & Tours can help protect your vacations with top-rate travel insurance!

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What is Travel Insurance & Do You Need it?

Travel insurance protects you from a variety of circumstances that might affect your vacation and, as a consequence, your wallet. Your coverage will depend on what policy you decide to buy.

What Does Travel Insurance Cover?

Cancellations and Interruptions

At an airport, a board displaying arrivals and departures is filled with the word cancelled next to every single flight. This image is used in the blog by Jaya Travel called "6 Reasons to Get Travel Insurance" which describes how it can save you from cancelled flights.

“Cancellations” and “Interruptions” are different from one another. So, when reviewing your policy, be absolutely clear on what it covers. 

Cancellations occur when a trip couldn’t happen at all due to health emergencies, natural disasters, or other events out of anyone’s control. Depending on the policy, you won’t have to pay massive penalties on cancellations if you have travel insurance. 

There is a category under cancellation policies called “Cancel for Any Reason.” These policies generally cover 50 – 75% of your original trip cost, but don’t be surprised if they’re on the pricier side. These policies are worth considering if your trip is expensive because you can get more of your money back. 

Interruptions mean that the trip was delayed, but will continue once the problem has passed or been sorted out. For example, if you purchase travel insurance that covers interruptions and your flight is delayed by a day due to a severe thunderstorm, you would be able to board the next available flight to your destination without paying a ticket change fee. 

Medical Emergencies

These policies allow you access to medical care while traveling abroad. This can involve emergency dental or medical services, life insurance in the event of accidental death, and even the transportation of human remains should someone tragically pass away overseas.  

A lot can happen during your vacation, from broken bones to severe food poisoning. Being able to check into your destination’s local hospital without worrying about the bills to follow is a major relief. 


A woman in a red coat sitting on the luggage carousel at the airport is holding her hands to her shocked face because her baggage was lost. In the Jaya Travel article "6 Reasons to Get Travel Insurance," we describe what travel insurance and trip protection can do to protect your vacation and your wallet.

Delayed, lost, damaged, or stolen luggage will be reimbursed for its value with travel insurance. Some policies even replace essential items with a per diem voucher so you can make do until your delayed luggage is returned. The reputation some airlines have for losing luggage makes this a very valuable part of your coverage. 


Cruises are not motivated to give refunds, regardless of your reason for having to cancel the trip. Some have policies that provide refunds if canceled 75 – 90 days before departure, but that’s not useful when a family emergency or personal illness occurs. Cruise insurance can cover cancellations, medical emergencies, and even instances when you miss the ship. 


A young woman hugs the hood of a red rental car that she picked up at the airport for easy transfers on her vacation tours. In the Jaya Travel article "6 Reasons to Get Travel Insurance," we describe what travel insurance and trip protection can do to protect your vacation and your wallet.

Getting travel insurance also covers the vehicle you use while vacationing. This is like the car insurance you have on your vehicle at home, except it applies to any vehicle rented while traveling. It gives comprehensive coverage on your rented vehicle if it gets damaged during your trip. 


Group policies are a must if you’re traveling with a lot of people, whether it’s for a school trip or volunteer work. You can even find better rates insuring a whole group rather than each person individually.  

Jaya Travel has a whole department dedicated to booking travel for groups of 10 or more. With their help, you won’t need to worry about the chaotic logistics of traveling with a crowd. Our Groups Department will take care of it for you!  

Value Beyond Money 

A young female in a suit types on her laptop with money, calculators, and papers scattered around while she tries to save money for vacation. In the Jaya Travel article "6 Reasons to Get Travel Insurance," we describe what travel insurance and trip protection can do to protect your vacation and your wallet.

Contrary to popular belief, travel insurance is not an added cost and actually helps save money. The main reason travel insurance is purchased is for financial protection when travel plans are derailed. However, many policies offer benefits beyond monetary compensation. Certain policies provide you with replacement toiletries, vouchers for temporary accommodations, and even assistance dealing with the laws of foreign nations. Be sure to ask your provider about added benefits when choosing your policy. 

How You Can Purchase Travel Insurance 

After the chaos of the global pandemic, travelers everywhere should purchase travel insurance for their vacations. To protect your adventure with affordable and comprehensive travel insurance, buy AIG Travel Guard! Head to our website to browse and learn about various travel insurance policies.

For assistance booking flights, hotels, and tours, contact the Jaya Travel agents!

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