It does not matter if you are traveling in your own country or going abroad. Things can go wrong. Of course, you hope that does not happen. But, it is always a possibility, which means that it is important to be prepared.
Reasons You Need Good Travel Insurance
There are many reasons to buy travel protection. Below, are the most important ones.
Anyone can get sick or have an accident
Being young and fit does not make you immune to falling ill or having an accident. That can happen to anyone, at any stage. Either just before you are due to travel or when you are actually on holiday.
Should that happen, your vacation could be completely ruined and you could find yourself unable to afford another one. So, you need to buy an insurance policy that includes both cancellation and medical expenses coverage. It is also a good idea to check that you are properly covered for medical repatriation.
Medical bills soon add up
Being repatriated back to your home country is never cheap. Currently, you can expect to pay more than $25,000 even for a relatively short journey by air ambulance. Add that to your medical bills, which can also mount up and you can easily end up in serious debt because you failed to buy adequate travel insurance.
Access to 24/7 support
Falling sick or having an accident while you are a long way from home is a frightening experience. Often, you cannot speak the language and do not really know how the medical system works.
In that situation, being able to ring your insurance company’s 24/7 support desk is a big relief. They probably will not provide you with an interpreter. But, you can explain how you can get one, or how to find medical professionals who speak your language.
Coverage for other emergencies and mishaps
The above all relate to the consequences of medical emergencies or accidents. But, there are other circumstances that travel insurance can help you with.
A good policy will cover you should your luggage be lost or some of your valuables be stolen. It will also offer help should delays lead to issues with things like accommodation, or if your trip is interrupted because of things that are beyond your control. For example, the flight for the next leg of your trip gets canceled.
Help if you accidentally hurt someone else
Unfortunately, accidents happen and when they do, sometimes, people get hurt. Sometimes you are the one who gets injured. Other times you end up inadvertently hurting someone else or damaging property. When that happens, there is always a chance that you will be sued for damages. The best travel policies include some level of personal liability coverage.
Buying the right policy
All of the above are vital. But, not every travel insurance policy provides this type of coverage. Even if you do buy a policy, there is still a risk you will still have to pay a huge bill. So, when buying travel insurance you have to take your time and do your research. This newspaper article explains some of the most common pitfalls and how to avoid them when buying your trip insurance.
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