10 Types of People Who Shouldn’t Travel Abroad Without Insurance

Woman holding passport waiting in transit area in the airport, standing by for the next schedule traveling, late delay of the arrival departure, missing checking in the boarding pass — Adobe Stock

Traveling abroad is exciting, but it also comes with risks. Lost luggage, medical emergencies, and unexpected delays can turn a dream vacation into a financial disaster. Travel insurance offers a safety net, but some people need it more than others.

Here are 10 types of travelers who should never leave home without proper coverage.

The Health-Challenged Traveler

Older man with prescription medications, horizontal — Adobe Stock

If you manage chronic conditions or rely on regular prescriptions, international trips can be risky. Medical bills abroad can skyrocket, and without insurance, you may end up paying out of pocket for treatments or emergency care.

The Adventure Seeker

Zipline over Las Cabanas Beach with tourist on sunny day with white clouds over sea. El Nido, Palawan, Philippines — Adobe Stock

Zip-lining, scuba diving, or cliff jumping might be the highlight of your trip, but these activities carry higher injury risks. Insurance with adventure sports coverage protects thrill seekers from expensive hospital visits.

The Luxury Shopper

Las Vegas, Nevada, USA - May 6, 2019: Upscale shops at the Bellagio Casino and resort in Las Vegas. The luxury boutique style shops at the Bellagio include Gucci, Prada, Chanel and Louis Vuitton — Adobe Stock

If you plan on buying jewelry, designer clothes, or electronics, insurance protects your investments. Lost or stolen luggage without coverage means saying goodbye to both souvenirs and your money.

The Frequent Flyer

Frequent traveler ready to take off — Adobe Stock

The more you travel, the greater your chances of running into delays, cancellations, or mishandled bags. Frequent flyers benefit from annual travel insurance that saves money and reduces stress when things go wrong.