Is Travel Insurance Really Worth It? What Policies Actually Cover

Travellers happily insure phones worth $800 yet skip $29 policies protecting $3,000 trips. Here is what changes your mind.

The numbers

An appendectomy in a private Swiss hospital: $18,000+. A medevac from the Maldives: $50,000+. Standard trip cost if you cancel last-minute: 100% forfeited without coverage.

What good policies include

• Emergency medical & hospitalisation (aim for $100k+)
• Trip cancellation/interruption reimbursement
• Baggage delay (buy essentials) and loss cover
• Missed connection rebooking
• 24×7 multilingual assistance lines

What they usually exclude

Pre-existing conditions (unless declared), extreme sports without riders, incidents after alcohol, and travel against government advisories.

Choosing well

Compare medical limits, deductibles and — critically — the claims process reputation. A cheap policy with slow claim settlement is expensive peace of mind.

The Planet Hub difference

Every holiday package booked with us can add vetted travel insurance at checkout in one click, with claims support handled by our own team as your advocate. Ask us for a policy quote with your next booking.