subject: Travel Insurance Do You Really Need It? [print this page] When youre travelling abroad and youve had a very tiring year; you really dont need to have any worries. At the same time, holidays dont come cheap and you dont want to spend any more money than you already are. But travel insurance isnt expenditure, its an investment towards a safe journey.
You never know what could happen in a foreign country. Even if you have medical insurance, most policies dont pay for diseases that you get overseas. Or if you fall sick abroad and need to be moved back home in case you dont like the medical facilities, travel insurance can pay for your trip.
To enjoy a smart, safe holiday, travel insurance is the key. You never know what could go wrong, or how the place youre going to might land up being. If, for instance, you lose your baggage and passport, you might need an excess of money that you dont have. When you have travel insurance, such worries are wiped out.
The amount of coverage one gets with such insurance policies depends on the amount of premium costs you are paying. The more the premium, the more the coverage. If youre going for a short holiday, it doesnt make sense to buy very expensive travel insurance. Buying one thatll cover the basic costs like delayed flight charges, lost baggage retrieval, etc., should suffice. If youre going for a long holiday, it is advisable to invest in a travel insurance thats a little more expensive as itll cover a lot more extensive expenditures.
Travel insurance is not just for you, its for your family, as well. When going for a vacation with your loved ones, remember that travel insurance is the responsible option. Whenever you buy travel insurance, always read the fine print. Some insurance companies might provide insurance but have so many exclusions that it does not make sense to buy them. Make sure you know what your policy includes or excludes, so in the case of an unfortunate event, youre not availing the insurance in vain.
Whether youre planning to go for a long holiday, or a short trip; whether youre going with family, with friends, or just by yourself, wherever you go, travel insurance is what ensures you can leave and return in peace. While you may think that its a pointless waste of money, remember that you never know what can happen. Being in a foreign country, its always advisable to think ahead. A small investment for a safe future isnt such a high price to pay.
by: Pranav V Sharma
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