People who are highly optimistic generally do not think it is essential to take travel insurance when going on a vacation. They are content with believing in odds that urge them to travel with a "glass-half full" mentality. They may be under the impression that their expenses may be sorted out by someone else and that they would only incur unnecessary expenses by taking insurance.
An ideal situation for an optimistic person, who believes in the "half-full" theory, is to meet a person, who regards the same glass as "half-empty"! This combination will balance out the equation as the pessimist would insist on taking the travel insurance before proceeding on their holiday.
The first priority before undertaking a journey is to take travel insurance. It could be a short break from city life or a trip that takes them round the world. Quite a few people are unaware that they can also opt for insurance policies when traveling in their own country. One of the clauses is that they should book in advance and stay out for two or more nights to avail of the same.
The amount of money paid towards the travel insurance is minimal compared to the amount they would have to pay if things went wrong. This type of insurance covers any type of medical accident or emergency where a person has to be admitted to the hospital. It also takes care of legal expenses and liability claims, curtailment and cancellations, catastrophe cover, personal accident, mugging, hijack, personal effects and baggage, missed departure, travel delay and pet care.
Protect yourself with a winter sports cover if you are planning a snowboarding or ski trip next season. In the event of any accident where you may end up breaking some bones or meet with a head injury, you will find the cost of medical treatment exorbitant. Most hospitals in Canada or US cost the earth and you will be thankful that you are protected with a good insurance policy that covers skiing, in case you are unfortunate to meet with a calamity. It is essential to check if there is sufficient cover for expenses, such as helicopter evacuations, mountain rescue and air ambulance in case you need to be repatriated. You would never be able to afford these costs on your own and there is no way the embassy or consulate will pay for these costs if you are not covered by insurance.
Review the section, "Schedule of Cover" when you purchase your holiday insurance to set the amount of cover and other aspects of insurance that is provided under the chosen plan. Different companies offer different levels of policy cover from Basic to Premier depending on the amount you are willing to pay.
The cover you take should ideally depend on the country destination where you reside. You may wish to pay more to travel to Colorado, for skiing or to South America, for river rafting and less if you just planned to step across to Europe for a short city break. The companies you approach, for taking out the insurance, will advice you on the "level of cover" to be purchased.
Take out a cheap basic travel insurance policy as this is better than not taking one at all. Buy additional cover for additional golf cover, photographic equipment or extras for business equipment or winter sports.
While it is perfectly alright to be positive, you should not try to base a holiday on luck and that everything will be smooth sailing. If you do not take out travel insurance and you happen to run out of luck, you could suffer great financial ruin, which could make the most optimistic person suffer a rude shock. There is no need to spoil a great holiday by taking unnecessary chances.