What are the Travel Insurance Essentials? What are important coverage’s that should be in a travel insurance plan?
Let’s not think about travel insurance and think independently. If a person go to a faraway foreign country what are the potential problems he may face? Some of the major categories of problems that he may face during his travel are transportation risk (breakdown, delay), victim of crime, victim of natural disaster, victim of accident, victim of sickness and negligence that cause damages or injury to others.
Travel insurance has evolved into a plan that covers most if not all of the major category of risks. Medical costs in a foreign land can be very costly. Falling ill or getting injured in most countries is usually a very inconvenient to happen.
Especially if it happened while travelling en-route to another place, or being at places far from a medical center. take for example if a person fainted while climbing the Great Wall of China, the cost of getting help to come and send him to the nearest medical center can be extremely high, especially to a foreigner without local government subsidy or local medical insurance.
Emergency evacuation is a must have in a travel insurance plan. Personal liability covers the insured if due to his negligence , he has cause property damage or injury to other people. In some countries this is an important cover to have because the society awareness on the subject matter is high.
Death and permanent disablement coverage are the basic of a travel plan, it pays out when the insured dies or disabled during an accident. Although it may seem to be a double cover since many people their own annual personal accident plan, all personal accident can be triggered and pay out in the event of accidental death or permanent disability.
Loss of personal belongings such as bags, cash, passport, clothes, watches and cameras due accident, theft or robbery are also covered in most travel insurance plan.
Flight cancellation and flight delay can be due to aircraft repair, weather or some extraordinary events such as accident at the airport. The coverage helps to pay out on cost of accommodation and daily essentials while waiting for the next flight.
Annual Travel Insurance
Travel Health Insurance
Group Travel Insurance
Company Travel Insurance
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It is first time in my life I had travel insurance. It worth to have it. That trip I didn't have any trouble in the foreign country even my luggage was delay to arrive. I advice everybody to have it.Ali Engin
Very helpful and keep updated on the travel insurance conditions. Age is not an issue, if you continue of renewing every year. I am senior citizen but no big issue, still renewing.Nedim Alibi
I am frequent traveler due to my office commitments. I got this annual travel insurance and never wonder. Hassle free. I encourage everyone to have for this insurance done.Abdul Aziz
Well done. I had this insurance policy and found out that this is necessary for all travelers. Encourage everyone whose travel around the world as frequent flyer.Lai May Leng
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Very detailed quotation from the company, so you know what to expect from the circumstances. No more complaints. Will renew every year for my travel arrangements.Emre