Travelling, of course, is one the best ways on how we can spend our valuable roster days off. Sometimes we even tend to save up for such occasions so we can travel to a luxurious place where we can enjoy it more. People can actually get more savings if they consider on getting a travel insurance. Either cheap or expensive packages, it can definitely help people out on savings specially in times of unwanted disasters that can cut their vacations short. One good and most common example is a cancelled or a delayed flight. When it comes to travelling, we normally plan ahead with regards to our accommodation and reservations to make sure everything goes well as planned. But with such unanticipated scenarios, we end up cancelling our reservations which may cost us the fee for the reservation. Travel insurance can reimburse you for such inconvenience that may occur.
That is just one of the unwanted events that may happen on your travel which is covered by your travel insurance company. Here are undesirable occurrences that may happen that can be covered by them:
Trip cancellation – Your travel insurance company can cover the expenses of a cancelled trip but only if the reason falls, but not limited to: injuries incurred during the travel where they can even cover the expense of medical treatment and even the transportation itself, being called as a witness for a trial, immediate deployment if one is a part of the armed forces or other public military services.
Lost luggage and other belongings – This happens quite frequently specially on airports. This can be one of the biggest inconvenience since passports, identification cards, wallets, money, or even other personal documents that can be lost once a luggage is missing or was stolen.
Travel delays due to natural disasters – Most travellers may have experienced this already. Their flights getting delayed because of heavy rain, snowstorms and other bad weathers that may affect the means of transportation.
Pregnancy complications – For a woman, travelling may cause some unavoidable events or problems especially when she is bearing her child. But if a pregnant woman really needs to travel, then it is best for her to get insured.
These are just some reasons why a person can really benefit from getting a travel insurance. Some may think that it is unnecessary to spend their hard earned money to a plan just to cover any possible expenses caused by undesirable events, but it really helps a lot especially when these accidents catch us off-guard.
But when is it not necessary to get a travel insurance?
Normally when booking up last minute domestic trips, it isn’t really necessary to buy insurance. Since you didn’t really pay for any reservations and also if there was any accident to occur, any medical expense will be covered by your health insurance as long as you are still inside the country. Also applies to some cheap get away that does not really cost a fortune where you can afford the cancellation.
Ideally, people should consider buying travel insurance if they are to leave the country, since it can be very expensive if an accident would happen overseas and your health insurance does not actually or cover the cost of such event if you are outside the country.