For years, it was the great unmentionable in the travel transaction: insurance. Travel agents were afraid to bring up the subject of travel insurance for fear of losing the overall deal. It was considered a negative.
Your excited right? Excited to go anywhere, have a vacation and relax.
You feel you’re all set for the trip with your bags packed, tickets booked, reservations confirmed and tourist destinations noted. Look again, there’s a very obvious aspect you are missing – your safety. When on- a trip you never know what dangers you may encounter. It is smart to act in anticipation and get yourself a travel insurance. Majority of us consider this as an additional expense, but in reality it works as the perfect comforter in case of a mishap. The misconception is probably because people are not really sure how a travel cover makes sure you have a safe trip. In this article we aim to outline how a travel insurance ensures that you have a safe trip –
Cover in case of trip cancelation –
Try arguing for a refund with the airlines in case you cancel your trip and you will know how beneficial it is to have a travel insurance. The policy covers cost in case you need to cancel your trip due to some unavoidable reasons. Mostly reasons accepted by the insurer include sudden hospitalization, unexpected serious illness, death of a close relative, bad weather conditions and situations at home like fire, flood etc. Moreover, the policy also offers compensation in case of flight cancellation.
Baggage loss/ delay –
A common crisis that occurs at the airport is loss of baggage. This incident has the potential of wrecking your trip right in the beginning. When you have your trip insured you need not worry about dealing with such situations. The policy offers reimbursement for cost of purchasing emergency clothing and toiletries. Also, in case of delay of checked baggage you are reimbursed for the emergency clothing and toiletries you spent on.
Loss of travel documents –
Your travel insurance is with you even in the unfortunate situation of loss of travel documents. The policy offers complete assistance in making your travel documents again.
Legal liability cover –
In the event you encounter a legal emergency abroad due to no fault of yours, the policy offers complete assistance. It arranges for an attorney to handle the legal formalities and also reimburses the cost for the same.
Medical emergencies –
A medical emergency could occur anytime, anywhere. With an insurance for travel you can easily manage such crisis. The policy offers cover for medication and hospitalization. Moreover, it provides medical advice on call, books appointments and handles the hospital admission formalities. This is great help as managing a grave situation like a serious health condition can be difficult in a foreign land.
Advanced medical help –
The medical help offered by the policy does not end with the hospitalization. In case the condition of the insured worsens and he needs to be sent to his home country, the insurance arranges for the same. The policy also offers financial aid in case of accidental death/dismemberment of organs. You can also avail cashless facility with some insurance for travel.