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Whether you’re going on a long-term trip or are planning a short jaunt to another country, it’s really important to make sure you’re protected in every way possible. This will not only give you the peace of mind you need to fully relax and enjoy your time away, but it will help you to stay financially stable should the worst come to pass. Remember, only take out the types of insurance that will really help you in your situation, as taking out lots of unnecessary policies can start to add up.

Travel insurance

This one is a bit of a no-brainer, but travel insurance really is a must no matter where you’re off to or how long you’re going for. Travel insurance will often cover hotel and flight costs if something was to prevent you from going on your trip, such as sudden illness or natural disasters. It may also cover medical costs while you’re abroad if something were to happen to you. Some policies will also cover stolen or lost luggage. Make sure you read your policy terms carefully so you know exactly how to make a claim.

Life insurance

This type of insurance isn’t specific to travel, but if you’ve been meaning to take it out it’s definitely worth it before a big trip, especially if you’re going to be doing some extreme sports while you’re away. Life insurance will pay out to your loved ones should you pass away unexpectedly, helping them to continue living in their homes and covering living costs. However, it’s best to compare life insurance before making a decision, as there are so many different policies out there, with some covering you for your whole life while others only span a decade or so.

Phone insurance

These days, our phones are our lifelines, especially when far away from home. Not only do we use them to get around and keep in touch with our loved ones, but they often store our reservation confirmation codes and flight tickets too. However, thieves often target tourists with phones, so it can be wise to take out phone insurance before jetting off. This way, you should be able to get a replacement phone without breaking the bank while you’re away.

Mobile home insurance

If you’re going to be staying in your mobile home while you’re away, it can be wise to make sure your insurance is up-to-date. Mobile home insurance can help you cover costs that might arise from damages due to bad weather or even vandals. While nobody wants to have their trip ruined by unfortunate events, it’s best to be prepared than regretful.

Rental car insurance

Hiring a car when you’re traveling makes it much easier to get around, but failing to insure this car can leave you in big trouble if you’re in an accident or the car gets stolen. It can be tempting to say no to insurance when collecting your keys, after all, you’re only going to be using the car for a few days or weeks. However, anything could happen during this time, especially while you’re in an unfamiliar place.

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