A lot of people, when they travel, find themselves tense and worried. While it is it natural to feel excited when leaving home and exploring another destination, it is also a normal feeling to be anxious and thus feel the need to find ways to protect their health and well-being, as well as the act of travelling itself. What if there is a sudden change of plans like an accident or a weather disturbance, or if other unforeseen events occur? Travel plans may have to be postponed, cut short or cancelled altogether.
This is where travel insurance kicks in. Travelers who are not covered by this kind of insurance may have to shoulder significant financial responsibilities such as losing money over unused plane tickets and medical expenses that are not included in typical health insurance policies.
Having a travel insurance policy covers a holder from a lot of unforeseen events. These events include, but not restricted to: sickness, injury or disablement while traveling, flight delays and cancellations, legal issues and accidental death, damage, and theft or lost of personal effects during travel. These events have further causes that may indirectly involve the traveler or not, from the weather, airline employees’ strikes to even political unrest, and these may still be covered by a travel insurance policy.
Some companies that offer holiday insurance may even include a clientele that deliberately put themselves in danger with the activities they conduct when travelling. These are backpackers insurance policies for those who want to explore their destinations in a less luxurious setting. There are also insurance policies for those who go to some places just to engage in extreme activities like scuba diving, sky diving, and skiing. Considering that there are a lot of weather and geological disturbances that have been happening all across the world like earthquakes, tornadoes, tsunamis, landslides and hurricanes, it is really wise to take advantage of travelers’ insurance.
Travel insurance is usually classified into two: medical and disability cover for medical and hospital expenses that may be incurred by the traveler overseas, as well as income loss because of injury, illness, disability or death and non-medical cover which includes cancelled or delayed flights and stolen, lost or damage baggage.
For those who want to be covered on all bases, comprehensive travel insurance with both medical and non-medical cover would be the best choice. This should also be ideal for travelers who do not hold any medical insurance policy in their respective homes. Travelers who are away from their homes for a long time without health coverage and those who are not in their country of permanent residence should have this kind of insurance with them. The assistance this kind of insurance will extend would prove invaluable, including medical assistance in the local destination, hospitalization, emergency medical mode of transport, emergency treatment, consultation, repatriation of the body should the traveler pass away and escorting of immediate family members, among other benefits. The comprehensiveness of this type of travel insurance should put any traveler’s mind at ease.