5 Reasons You Must Choose Travel Insurance

The world has become a global village. There are unlimited possibilities of travelling to literally any corner of the world. However, with this excitement also comes the risks of travelling to an unknown land. Hence, travel insurance.

A travel insurance is as important as your passport or your plane ticket.If your trip goes south, you could be saddled with an enormous bill for medical, legal and other expenses and that particular countries Government won’t bail you out. That’s why comprehensive travel insurance is crucial. It covers your medical costs and personal liability. It can also compensate you if your belongings go missing, or you need to cancel or change a travel booking.

Here are a few tips to ensure that you are properly insured.

* Choose an insurance provider and agent

It is ideal to get at least three quotes from different insurance providers and pick the one which fits your budget and coverage requirements. You can consider approaching an agent who will be able to explain the terms of the insurance better. In general, it is ideal to check if any age restrictions apply on a policy or any limits that apply to policy inclusions. You should also check if booking a trip with a credit card can get you a complimentary travel insurance and what all does it cover. Always call up and talk to an insurer if you require more information.

* Your travel insurance should cover medical insurance

If you’re injured or fall sick, travel insurance should cover the cost of treatment at a doctor’s clinic or hospital overseas.If the medical adviser determines you’re too sick to continue your trip, your insurer can help organize and pay for you to get home. There are comprehensive policies which provide benefits on top of medical care which may include additional accommodation and travel expenses if you’re advised to rest before continuing your trip.If the worst happens, your policy should cover reasonable expenses associated with returning your remains to your country or cremating you overseas.

* You should have travel protection

Travel Protection will reimburse you for the cost of your trip if for some reason; you have to cancel at the last minute. With Travel Protection, you stand a chance to get the refund from your flights, as well as any other reservations you made in advance. If you are more of a spontaneous traveller, you could be insured from your credit card if you buy your airfare on your card so it will be helpful to double check before you make a purchase.

* Baggage protection should be covered

This kind of Insurance covers loss or damaged on your flight. Airlines are liable for any baggage lost or stolen up to a certain amount, and if you bought your ticket with your credit card, that should have some coverage as well. You ought to check the limits in such cases and get insurance for anything over that. You can also insure your possessions against theft, loss, or damage, which is really smart if you carry laptops and camera equipment.

* Check the insurance claim procedure

God forbid, if you ever need to claim insurance, it is always ideal to understand the claim procedure. It is advisable to take emergency assistance, insurance and consulate phone numbers. Always save copies of insurance and travel documents to a secure email or cloud account. Take not of documentation which will be required if you need to make a claim and also find out the wait time for the claim to be processed. In case of stolen items, it helps if you have the proof of ownership of the items. Check the insurance provider’s advice on medical treatment. Also, check if the claim is to be made while overseas or if it can wait until you get home and note any time limits on making a claim that might apply.