Let me start with this: I am not generally a doom-and-gloom kind of traveler. I’m the sunshine and spreadsheets type. I believe in dreaming big, packing light (ish), and always keeping a stash of snacks in your carry-on. But when it comes to travel insurance? Oh, I am all business.
Here’s the honest truth: if you travel enough, something will eventually go sideways. Hopefully it’s just a minor hiccup like a delayed flight or a lost bag. But sometimes…it’s not.
I’ve seen some things, y’all.
Real Talk: The Travel Disasters I’ve Witnessed
Let’s just go ahead and get into the wild stories that made me an absolute evangelist for travel insurance:
🚨 Freak Accident #1: The Sink Incident
One of my friends was leaning on a sink in a perfectly normal-looking bathroom. The sink—betraying all the laws of physics and good plumbing—broke in HALF. It quite literally sliced into the back of her leg and butt cheek. We’re talking emergency surgery, nerve damage, months of physical therapy, pain management…the whole works. It was horrifying. (She’s okay now, thank goodness, but only because she got excellent care quickly.)
🚨 Freak Accidents #2-4: The Leg Chronicles
I’ve personally known three people who have required emergency leg surgery while traveling. One of them was abroad, which added the joy of navigating foreign healthcare systems and medical evacuation logistics. Fun, right?
🧳 Travel Drama #5: The Vanishing Luggage
Another friend’s suitcase vanished into the travel void—never to return. Luckily, she had travel insurance and was reimbursed immediately so she could replace everything she needed for her trip. No stress-shopping in overpriced tourist shops!
Why Travel Insurance Is Non-Negotiable
Here’s the thing: these weren’t people doing extreme sports or trekking through the jungle barefoot. These were normal, everyday travelers who ran into the unexpected. Because that’s what accidents are—unexpected.
Travel insurance covers you when:
• Your flight is canceled or delayed
• Your baggage is lost, stolen, or takes its own vacation without you
• You get sick or injured on the road (and yes, that includes surgery and medevac)
• You need to cancel your trip last minute for a covered reason (illness, family emergency, etc.)
• Your hotel or tour goes belly-up and ghosts you
And depending on the policy, it can even help with things like emergency dental, rental car coverage, trip interruption, or political evacuation. (Yes, that’s a thing.)
What Kind of Coverage Do You Need?
Travel insurance isn’t one-size-fits-all, and that’s the beauty of it. There are options for:
• One-time trips (perfect for vacations, honeymoons, destination weddings)
• Annual multi-trip plans (great for frequent flyers and digital nomads)
• Basic coverage (the essentials)
• Premium plans (for peace of mind on more expensive or complex trips)
Whether you’re hopping over to Mexico for a long weekend or embarking on a multi-week European adventure, I can help you find the right policy. Think of it like packing a safety net—just in case the travel gods get moody.
TL;DR: Just Get the Insurance
I’ve seen too much to ever skip it. And once you’ve watched a sink try to amputate someone’s leg (or had to hunt for orthopedic surgeons in a country where you don’t speak the language), you’ll get it too.
Need help finding the right travel insurance?
I can help navigate the options. Reach out anytime for a quote or to explore policies that match your trip and travel style. I’ll help you compare plans and make sure you’re covered from departure to return.
Because “oops” shouldn’t ruin your dream trip.
