Travel Insurance Is for Smart Traveller
Travel insurance can add up your cost of travelling and often seen as unnecessary for budget travellers. However, the question is, are you sure you don’t need it?
Insured Your Travel Period for Unforeseen Event
The question of “What if” something happens may haunt someone when travelling to unfamiliar place. As traveller, you can be facing all kinds of challenges. Some of these may be out of your control. For such reason, it is best consider getting travel insurance. Travel insurance won’t make you safe or healthy, but it can reduce the financial burden should the “What if” occurs.
Travel insurance gives you 24-hour worldwide help during emergencies. These include medical care, legal support, repatriation back to your own country. Without these, you can be looking at very expensive medical cost and other unforeseen financial burden.
How Travel Insurance Gives You Peace of Mind
Travel insurance coverage can cover from loss of gear to flight cancellation. The basic insurance coverage usually covers personal liability and medical cost.
2 Main reasons to Get Travel Insurance
Your medical coverage means any expenses incurred while overseas. These medical costs can be for minor check-up or something more serious, that requires special attention. It can also mean repatriation to your home country for further treatment. Therefore, medical coverage is often very high. Your own accident insurance is often not covered while you are overseas. It is important to find out to what extend your own accident insurance coverage is covering you.
Personal Liability Coverage
This kind of insurance protects you from huge financial loss when you accidentally damage anybody’s property or injure someone. For example, you may walk in a luxury private apartment and accidentally knock down a very expensive decoration. It can cost you your whole saving without a travel insurance. On top of that, you may end up also paying legal fee for the law suit. You may say, it is unlikely that I will knock anything down. However, have you thought about any other example? What about damaging something that you rented? For example, your rented car accidentally hit someone or something? There can be hundreds of examples that you cannot be certain of.
There are many other benefits which a travel insurance will cover. A few of these includes cancellation or curtailing coverage. Curtailing mean getting reimbursement of your trip in the if you cut short your trip and make claim for unused part of your travel. Such claim usually includes reimbursement of the cost of accommodation services you booked and reasonable travelling expenses for returning home.
Long Trip Insurance Coverage
What about those that are going to be travelling for a long time. Perhaps he or she is travelling around the world. The common travel insurance feature for such kind usually has common features like the followings:
- Get a long-term insurance to cover the number of months you are travelling.
- You may opt to but insurance policy while you are overseas. This will give you the flexibility to add coverage as required.
- For sporty traveller, you are advised to purchase extensive coverage for dangerous activities like surfing, scuba diving and for other adventure activities.
Looking for the best insurance coverage while travelling can be quite a mission. However, there are many insurance agencies that sells travel insurance online. You can visit one like Insured United, a local insurance agency that provides travel insurance. For online quote and discount, you may check out the web page here http://www.insuredunited.com.sg/travel-insurance/
I hope this article helps you be more informed for a decision to buy travel insurance or not.