Even the best-planned travel can be impacted by the unexpected.
Hopefully in your travel experience you've never encountered a serious problem. Yes, sometimes a delayed piece of luggage or a delayed flight can prove to be a minor inconvenience or maybe a major one. But consider this, lets say you are enjoying a family getaway in Cancun and someone cuts their foot on the beach and has to go to the hospital or worse has to be admitted and stay a few days in the hospital. Will you health insurance cover it — will the hospital accept it?
Illness...medical emergencies...severe weather...and of course delayed flights...lost passports or luggage. Troubles can occur when you least anticipate them forcing you to cancel or interrupt your trip, lose your vacation investment, and incur unplanned expenses. And when you're away from home (or out of the country, for instance) things like medical emergencies and illness are even more difficult to manage.
It's reassuring to know that if something does happen you have someone there to assist you.
