Travel Protection, Do I Really Need it?

Is Travel Insurance Really Necessary? Here’s Why the Answer Is Yes.

It’s a question many of us ask before heading off on a trip: Do I really need travel insurance? For most people, the instinctive answer is “probably not.” I used to feel the same way—until I became a travel specialist and truly understood what travel protection is, and how essential it can be both before and during your travels.

Many assume travel insurance is only useful if they need to cancel their trip: “Nothing will go wrong, so I don’t need it.” But the truth is, life is unpredictable. Illness, weather disruptions, family emergencies, and work conflicts can all unexpectedly interfere with your plans—especially in today’s world, still recovering from the impacts of a global pandemic.

So, if you’re asking whether travel insurance is worth it, the answer is a resounding yes. Not only does it help protect the money you’ve invested, but more importantly, it offers peace of mind and practical support when you need it most.

Before Your Trip—and Especially During It

We’ve all heard the headlines: canceled flights, massive delays, lost luggage. While these issues have always been part of travel, they’ve become increasingly common in recent years. Ask yourself:

• What happens if your flight is delayed or canceled and you miss a connection—or even your entire trip?
• What if you arrive, but your luggage doesn’t?
• Will your budget cover the cost of replacing your belongings or rebooking missed reservations?

Travel insurance can help manage these unforeseen issues, saving you time, stress, and money. Think of it as a safety net for you, your travel companions, and your overall investment.

From My Own Experience

As someone who travels frequently for work, I’ve had firsthand experience with the value of travel insurance. On one of our extended family trips, it started to snow and ice began to freeze on the ground. The day of our flight, we ended up making it to the airport and everyone was excited for our cruise. As time went on, we started seeing flight delays and cancellations pop up on the airport monitors. Our flight just so happened to be one of them that was delayed. As the night went on, there were continuous delays until around midnight the airline decided to cancel the flight. Unfortunately, by this time we had no options to fly out and make it to Florida  and there was not enough time to make it from Dallas to Orlando. We ended up missing our cruise and filling an insurance claim. Thanks to the travel protection plan we had, our expenses and cruise costs were reimbursed which allowed our family to schedule another cruise for a later day.  Without travel insurance, this cruise would have been a total loss. Our family would have lost money on flights, hotel stays and the cruise fare.

Don’t Forget About Medical Coverage

One of the most overlooked but crucial aspects of travel insurance is health coverage. Many travelers don’t realize that their domestic health insurance likely won’t cover them once they’re abroad.

Consider these questions:

• What if you get sick or injured in a foreign country?
• Will you be able to afford care, especially if payment is required upfront?
• What if you need to be medically evacuated back home?

Some travel insurance policies even cover emergency medical evacuations—an expensive service that can be lifesaving. Plus, some countries may require proof of insurance before they allow entry.

Even within the U.S., many health insurance plans charge high out-of-network fees. Combine that with lost time at your destination, and a medical issue can quickly derail your entire trip.

How M&M Magical Adventures Can Help?

At M&M Magical Adventures, we work with trusted partners who provide 24/7 concierge services to assist you no matter where you are in the world. That means expert help with medical needs, travel disruptions, and emergencies—whenever and wherever you need it.

When you book with us, your travel advisor will walk you through the best options for protecting your trip, answer all your questions, and help you make the right decision for your specific needs.

Think of it this way: you wouldn’t go without insurance for your car or home. So why risk traveling without it?

Final Thoughts

So, the next time your travel advisor brings up travel protection, don’t brush it off. Take a moment to really consider it. Protecting your trip—and your family—can make all the difference.