Yesterday, @RiBCN asked me this on Twitter:
@PickPocketMap Just playing devil’s advocate one second: doesn’t having insurance make the holder more apathetic about their belongings?
First of all, kudos to @RiBCN on being featured in a newspaper yesterday!
Thanks for a good question. Regarding whether having travel insurance makes one more complacent, thereby increasing one’s chance of being robbed, I don’t agree. Travel insurance provides some monetary assistance in the event of a robbery, usually only after producing a police report and receipts of expenses associated with the robbery. In most cases you still have to pay a deductible and you lose out on depreciation, and in some cases there are limits on categories of items you can put in the claim.
Travel insurance will not:
- Bring back lost photographs,
- Bring back time lost during and after the vacation (this is by far the most aggravating aspect, in my opinion),
- Help with the psychological feeling of being violated,
- Help erase painful memories such as this one.
Bottom line, having travel insurance shouldn’t give one a false sense of security. Instead, use it as another aspect of traveling wisely, follow safety tips (hmmm do I smell a blog post?), and have an enjoyable and hassle-free vacation!