Avid traveller and New York Times columnist Seth Kugel likens travel insurance to a side dish, like fries. In almost all his travels, Kugel didn’t buy the “side dish”. After all, he’s healthy and is covered by a medical policy even while in another country. Eventually, however, he ended up purchasing one, with the sole purpose of evaluating whether or not a travel insurance is, indeed, beneficial.
So, should you get travel insurance if you’re off on a business trip soon? After his experience, Kugel says that travellers who consider themselves “high-risk” or they are more likely to make a claim, should get insurance. This is a particularly smart move, especially for adventurers who prefer to ‘go with the flow’ and not pre-book accommodations, city trips, or other trips. Or not take serious consideration to important travel essentials.