Ask The Expert: Do I really need travel insurance
for a weekend getaway?

Some travellers still downplay the importance of travel insurance, especially for short getaways. However, emergencies can happen any time and anywhere. Without proper coverage, a medical crisis overseas – especially in places with limited healthcare – could require costly evacuation or repatriation.

The difference between medical coverage and trip protection

Medical coverage addresses health emergencies – from hospitalisation and treatment to evacuation and repatriation. Some plans even cover urgent dental care, which can be crucial. In countries like the US, where healthcare costs are steep, solid medical insurance can prevent huge out-of-pocket expenses.

Trip protection, on the other hand, offers peace of mind against cancellations, delays or disruptions. It covers lost baggage, missed connections, and even travel agency insolvencies.

For trips involving non-refundable bookings or destinations prone to natural disasters, this layer of protection is invaluable.

Comparing comprehensive vs basic policies

Determining whether to opt for a comprehensive travel insurance plan over a budget-friendly option ultimately depends on your assessment of potential risk, and your need for peace of mind.

A comprehensive policy typically includes higher limits for medical expenses, wider coverage for cancellations and provisions for high-risk activities or complex travel arrangements.

This type of plan is especially worthwhile for those travelling to remote destinations, engaging in outdoor or adventure activities, or journeying with family members, particularly young children or elderly relatives who may require medical attention.

It is also recommended for travellers with preexisting medical conditions. Opt for additional coverage to include such conditions so as to ensure that emergency treatments are covered, should the need arise.

For those heading to areas prone to natural disasters or political instability, it offers crucial protection against these unpredictable risks.

Whether you are dealing with earthquakes, hurricanes or sudden political unrest, it helps mitigate the financial and emotional impact of trip disruptions.

In contrast, budget policies may only provide basic protection, with lower reimbursement caps and fewer covered scenarios. While this may suffice for a quick weekend getaway in a nearby city, the potential for unexpected medical bills, trip delays or lost belongings should not be underestimated.

Shirley Tan is the chief marketing officer of Etiqa, overseeing branding, corporate communications and marketing to drive business growth. She has deep expertise in life and health insurance across product, marketing and operations.