Six Top Reasons Why Travel Insurance is Important

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Travelling is one of the best experiences a person can have.  However, not all perfectly planned trips end up being perfect.  Luggage is lost, unforeseen accidents occur, and illnesses come in.  Thus, it is imperative that a person should be prepared when these things happen as they cost a lot of expenses.

1. Travel insurance is very essential whenever you plan to have a holiday either inside or outside the country.  Your travel agent is the key person you can contact so that you can obtain travel insurance.  This insures you of any untoward incident while you are on your trip.  Travel packages include this but it would be a wiser decision if you do it on by yourself as your travel insurance coverage will be worth it. Here are some ways where your travel insurance can cover you:

2. Loss of luggage can be reimbursed by travel insurance.  Travelling can sometimes result to purchasing items that are of high value such as electronic gadgets, antiques, or even jewellery.  So it is important that you must have travel insurance to cover for any loss of these items.

3. Medical needs and hospitalization treatments are covered.  Even if you have medical insurance, this can be limited within your locality, so you still have to pay for any medical treatments that you get while you are outside of your country.  It would be a horrible experience to be sick and not have enough money when you are outside your comfort zone.  Some countries really have expensive doctors’ bills, so it is important to have travel insurance.

4. Driving accidents are covered by travel insurance.  Insurance coverage is limited usually to the country where you reside, so if you plan to drive while on holiday, you need to have travel insurance.  This will cover for any vehicle that you may rent that had an accident with another automobile.  Imagine the costs of paying for this in addition to your holiday expenses.

5. Emergencies are covered by travel insurance.  Going abroad may solicit emergencies like trip interruption.  Standard insurance policy does not cover this so it good to have a travel insurance to pay up for this.  Down payments and fees that you have already settled can be returned if the trip is cancelled.

6. Travel insurance covers medical transportation services and emergency hotline.  You may face a political crisis in the foreign country where you are having a holiday.  This will really be essential especially when you are not familiar with the language being spoken or you do not know how to roam around the location where you are.

You may still be in doubt whether you really need to have a travel insurance. You might be having an internal battle within yourself as you believe that your insurance already covers automobile expenses, medical needs, luggage loss, and emergencies.  However, it is crucial that you read what is found in the policy that you are holding.  Most of these do not cover the expenses mentioned above.

Security is the best policy.  It is better to be secured than to regret later.  Travel insurance is your security during your holiday.


Posted by Ali Mohamed   @   30 December 2011 0 comments

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