So you’re about to take a trip. Congratulations! Traveling is one of the most rewarding experiences anyone can have. We all grow so much when we put ourselves out there in the world. What could be better than seeing new places, doing new things, learning about new cultures, and meeting new people?
At least that’s usually true. Honestly, it’s probably even 99% true. Still, there are some trips that go wrong. Potentially, tragically wrong. While it is rare — and likely won’t ever happen to you — some people do die while on vacation.
It could just be that a heart attack hits at the worst time. Sometimes there is a car accident that was unavoidable. Or in even rarer cases, people do get attacked or the fall tragically while hiking up a mountain.
So you definitely want to be prepared for a worst-case scenario. This means taking all the right precautions, getting proper vaccinations, and staying safe while in unfamiliar territory. But it also means having life insurance.
No, a policy might not stop tragedy from occurring. It will definitely provide a lot for your loved ones, however, if death does occur. This is why, before you leave on any trip, you should make sure to have excellent life insurance coverage.
You’re Always Better Safe Than Sorry
Traveling isn’t particularly dangerous. Planes almost never crash and some studies show you’re actually most likely to get in a car accident within 10 miles of your house. Still, anything can happen. And some types of adventure travel — whether skiing, hiking, or wilderness trips — are naturally going to put you in a situation that is more risky than a walk in the park.
This is the reason you should always make sure you have life insurance coverage before you leave — especially if you will be going somewhere with a high crime rate or your will be engaging in higher-risk sports or activities. You don’t need to fill yourself with dread and stay up all night biting your nails. Just check your policy to see how broad the coverage is. Or take out a policy well before you leave when you know you have a big upcoming trip.
Different Types of Life Insurance Coverage
All life insurance is not created equal. There are different types of coverage and different providers offer policies that may not be exactly the same. The two main types to understand for most people are term and permanent policies. There are a lot of good breakdowns that explain each one in depth.
But the key thing to know is that that term life insurance includes coverage for a specific period of time. And permanent, as the name suggests, will keep your covered for the rest of your life. Be sure to do your homework and figure out which one makes the most sense for you.
The other good news is that they are both very affordable. Especially if you’re only familiar with health and auto insurance, you will be shocked at just how much coverage you can get for such a fair rate.
The Value of Having Life Insurance Before You Travel
In many ways, having life insurance isn’t that much more important for travel than it is in your everyday life. But it does represent a great opportunity to highlight its value. Because even if your mortality risk isn’t that much higher while traveling, your anxiety probably is.
So take advantage now. Use this concern for good and be proactive. Take the necessary steps today to make sure your family and loved ones are protected if the worst-case scenario does come to pass.
Nothing in life is actually risk-free. You should continue traveling as much as possible and gain the amazing experiences that you can only get when you’re away from home doing new things.
Just be safe. Enroll in great life insurance today and then you can sleep easier — whether that’s in your own bed or in a far-off foreign land.