Is you are wondering if holiday insurance is really worth it, It is far more important than you think! If you are thinking about not taking out insurance to save a few dollars, think twice. You could financially ruin your retirement. It can be obscenely expensive to access health care overseas. There are a few companies out there that specialize in over 65s travel insurance. You just need to do a Google search to hunt them down. Here are 4 of the top reasons why getting travel insurance is absolutely necessary, especially when you’re looking forward to enjoying your retirement.In travel, there’s a wise saying that goes: “If you can’t afford to get travel insurance, then you can’t afford to travel at all.” Getting insurance has always been important, but it’s even MORE important today, with the state of world travel. Here’s reason #1:Reason #1 – To Cover Health Emergencies.It’s a hard fact to swallow, but most of us simply aren’t as healthy and strong as a senior citizen as we were in our 20’s and 30’s. That’s why it’s always a good idea to get travel insurance to cover health emergencies. Adequate travel insurance will even cover the costs if you have to be flown home, even if you’re on a stretcher and have to take up the space of six to nine seats! However, don’t expect to be covered for pre-existing illnesses, you are considered a high risk. This fact should save you hours of search time.Reason #2 – To Cover Travel Delay Costs.Cancellations and delays are a fact of travel. Just in case your first flight gets delayed and you miss your connecting flight, adequate travel insurance will cover the costs of re-booking, hotel, and food. It’ll soften the blow of the delay, and perhaps even give you a chance to explore the town of your stopover a bit!Reason #3 – To Cover Trip Cancellation. Remember that weekend trip that got canceled because you got sick on Friday? Unfortunately, that can also happen now, even if you’re already free from the stresses of work! So as a precaution, get some travel insurance to cover the costs in case the trip does get canceled.Getting adequate travel insurance will also make sure you’re covered in case your travel agency suddenly goes bankrupt. Unfortunately, it happens, particularly online travel agencies. There are so many small travel agencies popping up these days, some unfortunately not as deep-pocketed than others.Reason #4 – In Case Of Insurrection. Switch on the news these days, and you’ll see a revolution here and there, an earthquake, cyclone or tsunami. Unfortunately, things aren’t doing so well in many parts of the world. These things tend to happen without any warning! What will you do if a situation changes at your destination?Ask the travel agency (or the travel insurance provider) if they cover the costs incurred by such events. If you’re not sure, read the fine print. If you’re not 100% about the peace-and-order situation in your intended destination, then you’d better get covered. Travel insurance should not only cover trip cancellation in case your government releases a travel warning to a particular destination, but if something should happen when you are in a country, they can help with evacuation.So the next time you plan your vacation, factor in the costs of travel insurance. After all, you can’t totally enjoy your vacation if you don’t have the peace of mind that only travel insurance can give you! There are plenty of options available for seniors and over 65s travel insurance.