You would ask, “Why get travel insurance?”, and the answer is simple: for safety. Like with all insurances, there is a promise of safety and it extends to wherever you go. Travel insurance covers a great deal of expenses and situations, thus, making certain of a smooth and hassle-free trip. Some risks that are covered by travel insurances are: Cancellation, Curtailment, Delayed departure, Loss, theft or damage to personal possessions and money (including travel documents), Delayed baggage (and emergency replacement of essential items), Medical expenses, and Emergency evacuation/repatriation.