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Home > travel-blog > Why We (Travel Pros) Buy Better Travel Insurance Than You
A plane wing in the sky.

Why We (Travel Pros) Buy Better Travel Insurance Than You

Angel Castellanos Last Updated: January 22, 2025

As a seasoned traveler, I know that a real world traveler isn’t someone who just shows up. They’re the one who’s ready for anything. Whether it’s lost luggage, flight cancellations, or an unexpected hospital visit, a solid travel insurance policy ensures you’re covered. It’s about making sure your trip goes off without a hitch, no matter what curveballs come your way. In this guide, I’m breaking down the top 5 benefits of my favorite travel insurance plan.


Pro Tip: Purchase a travel insurance policy as soon as you start spending on airfare, hotels, and tours. It’s the smart move to protect your trip before you even leave. You’re investing in an experience, so make sure you’ve got it covered from the get-go. This proactive step ensures you’re covered well before departing, protecting your travel investment.  

Look, buying travel insurance isn’t about playing it safe —it’s about making sure nothing can mess with your trip. Lost luggage? Canceled flights? An unexpected hospital visit abroad? No sweat, you’re covered. This travel insurance guide breaks down the real reasons travel insurance matters. A solid insurance policy is your ticket to an adventure without the “what-ifs,” so you can keep your travel stories next-level cool.  

Top 5 Benefits of Travel Insurance

Two women traveling together standing in front of a bridge

Travel Delays 

Travel delays are an unfortunate part of travel. According to the US Department of Transportation, 78.34% of US Airlines reported on time on arrival. Florida airports lead the way, with 31.9%—25.5% of flights experiencing delays. Trip delay coverage is one of the benefits of travel insurance. Covered travelers may receive compensation for significant travel delays (the delay interval varies by product) for additional lodging, transportation, and meals.  

Baggage Delay or Loss 

If you’re not team-carry-on, you’re rolling the dice with your luggage. The odds of your bag getting lost or delayed jump to 46% if you’re dealing with transfers or layovers. That’s where Baggage Delay or Loss coverage comes in—it’s one of the best perks in most travel insurance policies. If your bag goes MIA, this benefit gives you the cash to grab essentials or replace your gear. Just keep your baggage claim form from the airline and the receipts for anything you buy, and you’re good to go. It’s a small step that keeps your trip from turning into a nightmare. 

Skip Lines & Get Immediate Help 

When things go sideways at the airport—whether it’s a flight delay, cancellation, or lost luggage—it can feel like chaos. But if you’ve got Allianz Travel insurance, you’re not flying solo. The Allyz Travel Smart App is a total game-changer. Need help? You can get it instantly, file a claim, manage your policy, or reach 24/7 customer service and travel assistance—all with one tap. It’s so convenient, I even use it to show car rental companies my coverage when I’m picking up a ride overseas. No more hassle, just peace of mind at your fingertips. 

Medical Emergencies 

When you’re on vacation, the last thing you want is to end up sick or hurt. But with travel insurance, you’ve got a safety net for those unexpected medical emergencies. If something goes wrong, you’re covered for emergency treatment, and the payment guarantees ensure you won’t get stuck with a hefty bill. It’s peace of mind that keeps your adventure from turning into a financial disaster. And if things get really serious, the fine print has you covered for transport to the nearest medical facility or even back home.  

Trip Interruption or Cancel For Any Reason 

Trip interruption or “Cancel for Any Reason” is a travel insurance policy feature that can give you absolute peace of mind if you have to cancel a trip before you leave or if your trip is interrupted. If you have to cancel your trip for a reason covered by your policy, receive a refund of your pre-paid, non-refundable expenses up to your policy’s limit. If your trip is interrupted for a reason covered by your policy, receive a refund of your unused non-refundable deposits plus the extra cost of returning home quickly. 

See Angel Castellanos from The Tour Guy Live

Learn more about these trends and more a the Travel & Adventure Show in several cities. Meet Angel for exclusive tour offer & discounts. Learn more and see schedule here

About Angel Castellanos

Angel Castellanos, www.AngelsTravelLounge.com , is a multi-media travel expert and travel journalist that has appeared on BBC News, Los Angeles Times, Fox News, ABC, NBC, CBS, Univision, Frommers Radio, USA Today. Angel is also an acclaimed speaker appearing as a featured travel expert with the Travel & Adventure Show and New York Times Travel Show. 80+ Countries, 5 Continents and counting. He's passionate about travel to Europe, especially to Italy & France, countries he's visited every year of his adult life.

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