Every one of us wants to bear little and even no loss in every matter of life and for that we make several plans, make different strategies and we do what we can do but still there is no surety about future that what is going to happen next. No matter how many plans you make, the life has its own plans or you. And when we are not sure about the future we avoid taking risk. Taking risks is a good thing but you should always have a backup. In almost every matter of life insurance is the thing which saves you from getting into worse conditions.
When it comes to travelling especially to foreign countries then the travel insurance should be on top of your “to-do list”. Travel insurance has a great significance and the travelers should get it. Ordinary health insurance of a particular country generally covers your medical expenses when you step out of that particular country i.e. when you are in a foreign country. That’s where the travel insurance plays its vital role. Travelers are always vulnerable to illness and accidents both of which becomes a huge trouble for the traveler. But if you have the travel insurance then you can avoid things from getting worse. Although travel insurance cannot prevent the unforeseen incidents from taking place yet it offers consolation in many forms. The unforeseen events can be like your baggage may be stolen, you may face an accident, your official documents like passport may be lost, you may miss your flight, you may get robbed and many others which a person would never like to face but nobody can prevent what has to happen next. The only solution to tackle such situations in a foreign country is to get insured.
Every standard insurance company has a wide range of traveling insurance packages which covers a wide range of aspects. Some major benefits of travel insurance are explained below which are generally covered in the travel insurance.
24/7 Medical assistance:
It is possible that you are roaming around on the streets of a foreign country and spending a beautiful time over there and suddenly you are hit by any vehicle or you get injured from somewhere and you are directed towards hospital; and there is no one to help you then you would be in a huge problem. Travel insurance provides you full medical assistance which covers each and every expenses whether these are of hospitals or ambulances, etc.
Travel insurance also covers the extra costs in case you have missed your scheduled flight to the particular country. If you have planned scheduled means of transportation for roaming around in the cities of a foreign country and you miss them then this the extra costs in such cases are also covered by the travel insurance.
It is quite often that travelers get involved in litigations in a foreign country and in that case some specific costs are to be paid which are considered as legal expenses. If you have the travel insurance then these legal expenses would be covered by your travel insurance.
Some travel insurances cover the personal liability factor as well. If you injure someone mistakenly or damage property of any third party then obviously you have to pay for that. Travel insurance may cover all of these expenses only if it is proved that the incident was a mistake by your side. Generally there is an exclusion for liability arising by an animal under your control or from the use of a vehicle.
Personal possessions, luggage and money:
Travel insurance also covers your luggage, money and other personal belongings like laptops, mobile phones and other accessories while you are carrying them with you or you are away from them. Travel insurance has a limited coverage over these sort of items but yet most of the important personal belongings are covered by the travel insurance. Your personal belongings can be lost or even stolen but if you have the travel insurance then a good compensation would be given to you for the lost or stolen items.
Some travel insurance also cover the costs for the replacement of passport in case your passport is lost or stolen. Travel insurance will give you passport replacement but you’ll receive it in timely manner.
Trip cancellation, curtailment and interruption:
There can be several reasons for which you have to cancel your trip or it is possible that you are on the trip but due to some unforeseen circumstances like any death in your family or any function attending of which becomes a compulsion for you, etc. and your trips get interrupted which would result in curtailment of your trip. The travel agents who provide you traveling services to a foreign country have policies in which you have to pay extra charges in case you cancel the trip due to any reason. Travel insurance covers all these extra charges which are to be paid for trip cancellation or trip curtailment.
God forbidden, if you are died in an accident in any foreign country and there is no one there for fulfilling the formalities of that particular countries related to hospitals and transfer of dead body etc. then your family back in your home would be in very much trouble. Also there are various charges which are to be paid for the clearance of dead person so that the dead body is transferred back to your family safely. All these formalities and charges can be covered by your travel insurance.
That’s not the end. There are various other benefits of travel insurance which makes journey of traveler secure and hence one can enjoy the trip and make it a memorable one. So before starting journey one must get travel insurance from a reputed insurance company so that you may not have to face any inconvenience.
Address: Westminster Business Centre Office#1-07 Printing House Lane Hayes, Middlesex UB3 1AP