Is it important to have Travel Insurance?

Is it important to have Travel Insurance?

Today, it is a borderless world. People often using flight to travel for holiday or business trip.  Many travelers asked, ” Is it important to have travel insurance?” Travel insurance will ensure that you get proper medical care, all of your bills are taken care of and if you really need it then you’ll probably get a repatriate back your home country as part of the package.

Travel insurance not only covers accident but your expenses, flight delays, medical, transportation, lost of personal effect and even pickpockets.  Please check your policy details as the cover can vary between insurers and there might be cases where you need to report things such as theft to the police before you can make a claim.

What types of travel insurance are available?

The travel insurance policies depending on the type of trip you’re taking, your destination and duration, your age, hazard activities. The question is “How much travel insurance do I need?”

Types of Travel Insurance

a single person:  for a single person.

a family policy: for the whole family traveling together for that trip.

a group policy:  if a few of you are traveling together.

a single trip: for a single trip only.

annual policy:   if you travel a lot, then consider an annual policy that covers you for a number of different trips throughout the year. It saves a lot of money in the long run.

Certain sports, like skiing, can be covered provide the insurer agreed with an additional premium.Then you can just enjoy your holiday, without any worry.

What does travel insurance cover?

Travel insurance goes well beyond the simple medical cover, Travel insurance covers you if your holiday is cancelled altogether, you have to be brought back home early for any reason, delays due to the airline (in which case the airline may give you compensation too), loss while you’re away and most policies provide round the clock assistance too.

These 5 matters are just the basics. Travel to high-risk countries like the nations are in civil war or war-torn e.g Syria and Iraq. You would not get any coverage for visiting such nation.  You are traveling at your own risk. It is best to follow the  Foreign Office advises against travel to certain countries.

A cancellation can happen to anyone. Heavy snow- fall on the runway to torrential rain, staff strikes. The volcanic ash clouds the sky have caused people to lose their holidays or stranded at the airport. Your airline may compensate you if your flight is canceled but there is extra cover available through travel insurance to give you that additional peace of mind.

You could find yourself stranded at the airport in a foreign land due to whatsoever reason. The airline sometimes covers the local accommodation,  but there are not guarantees. In this situation, it is better to have a robust travel policy.

Cancellation doesn’t just cover flight cancellation, you are often covered if you or a family member fall ill before the departure and you can’t travel for medical reasons. Providing you weren’t aware of illness in the family when you took out a travel insurance policy. A sudden death in the family.  You could even claim a full amount of the holiday. With the claim money, you can plan the future vocation.

An emergency evacuation and repatriation from any part of the world.  It can cost tens of thousands of dollars, without even starting on emergency medical treatment at a hospital.

Protect your possessions too

Astray baggage,  lose the passport, credit cards, handphone, and other travel documents. The insurer provides 24-hour assistance on hand. It is a nightmare to deal by yourself. It is worth to have travel insurance give you a peace of mind

Is travel insurance a legal requirement?

No, It is not a compulsory to have travel insurance. Some tour operators will insist you have a policy in place before they confirm your travel, especially to countries like the US.  There is no public health service like our NHS.  You and loved one is properly covered on a trip overseas. Accidents can happen anywhere., anytime. It is very difficult to deal with on holiday in a foreign country. You simply cannot leave it to chance when the costs could be so high.

Of course, you might have completed cover in one of your many complimentary packages such as your life insurance, your credit cards or bank account. It better to play safe than sorry check them carefully before you go overseas. If you need to get extra cover then start a travel insurance quote and compare the best cover and prices for you on the market right now, see how much you can save!

Comments

comments