Travel insurance tips for a safe holiday
Travel insurance aims at providing coverage for
unpleasant circumstances that travelers might go through
during their vacation that could ruin their holiday. It is
not mandatory to have travel insurance when you go abroad
but we recommend you do as it has proven to be useful in
some situations. We advise you also to check the terms of
the insurance policy in details so you will not have
unpleasant surprise that a certain event that might happen
to you during your trip is not covered. You can compare between travel insurance
plans from various suppliers and choose the best plan the
suits your needs in your trip or you can get a deal for all
your travel during a certain period of time.
Travel insurance can cover many situations like the
following:
- Medical travel insurance:
This covers illnesses that can happen during your trip
like food poisoning, diseases that you might catch like
malaria. Medical travel insurance pays for doctor
visits, prescription drugs, laboratory works, local
ambulance service and covers emergency situations when a
traveler needs surgery. Medical travel insurance can
offer peace of mind that helps you enjoy your holiday
knowing that being sick will not ruin your vacation.
- Trip cancellation:
Travel insurance policy can cover cancellation of your
journey due to such situations that might prevent you
from travelling like sickness, death in the family. In
this case you will be eligible for compensation of what
you paid for to go on vacation.
- Travel delay:
A travel insurance policy can cover your costs for
delays of your trip due to weather conditions but
unlikely to cover airplane mechanical delays. be sure to
enquire about causes of travel delay or trip
interruptions that an insurer will cover in the travel
insurance plan.
- Baggage delay or loss
This unpleasant situation might cause frustration or
spoil your vacation but an insurer will pay for your
lost luggage according to terms of the travel insurance
policy you get.
- Car accidents or damage to rental cars:
Accidents happen but a travel insurance policy would
make them less unpleasant when coverage includes
physical damage, loss or theft of rented cars. be sure
to study the details of situations covered in the
policy.
- Emergency evacuation:
A travel insurance policy would cover flight home in
case of illness, accidents or other situations that
require immediate evacuation or a long stay in hospital
during a travelers trip.
- Accidental death:
Travel insurance policy would compensate for accidental
death disability of traveler during a trip not in a
flight accident. Be sure to read all terms of the
policy.
- Repatriating a body:
A travel insurance policy would cover for the cost of
repatriating a body of a dead traveller including
administrative fees (death certificate and other paper
works), body transportation (including preparing body
and cost of container)
Basic criteria to choose a travel
insurance plan
The main points you base your choice would be:
- Trusted reliable supplier
Make sure your
travel insurance supplier is back up by some of the world's
well known travel insurance companies such as Lloyd's, Mondial Assistance, IHI Bupa International and Millstream
Underwriting which can provide cover, premium 24/7
emergency assistance and high levels of customer
support and claims management.
- Value for money with the cover
Focus on
what you need most or what you anticipate might happen
during your trip this way you will be able to evaluate
travel insurance plans and choose the one that give you
the cover you need for the money you will pay.
- Flexibility when you need it most
Had a
change of plans? sea how flexible your travel insurer
can provide and make this point a criteria to base your
comparison on.
-
Cover for a range of situations
A good travel insurance plan would cover for all
situations you might face during your journey with terms
easily read and understood not to be surprised that you
are not covered for events when you think you are.
- Good customer service
Make sure you find
who answers your questions and solves any problem you
might face. a good customer service is always present
when you need it.
Safety begins with planning and a good plan includes
taking into consideration any unforeseen events that might
happen during your trip this is where travel insurance comes
in place that will help you enjoy a holiday and not thinking
of the worst as it will be covered and you will be
compensated for.
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