subject: Top 5 Reasons for Travel Insurance [print this page] The following valid reasons maketravel insurance a must, before you jet off on your holidays:
Trip Changes or Cancellation
Being stuck without accommodation when a last minute flight cancellation occurs is no fun experience. Travel insurance may be able to cover you for the cost of a hotel, in such a circumstance. You may also be able to obtain coverage in case of an illness, where you need to make changes to your booking prior to departure. The higher the value of your planned travel, the more important travel insurance is. In other words, you stand to lose much more on a round the world airline ticket, or multi stop global travel package than on a low cost domestic flight.
Health Issues
It's very easy to fall sick, even at the best of times. Add in to this different climates, environments and foods, and the body can take a little getting used to the adjustment. Prior inoculations for known diseases in specific areas are a wise idea, but are only part of the solution. While you may be well covered medically at home, your home cover is unlikely to extend overseas. Having a comprehensive Travel Health Insurance plan will ensure that you are covered if you require medical assistance whilst overseas.
Medical Evacuations
Travel Health insurance is a saviour when needing to see local medical staff, while travelling overseas. This may be sufficient if the medical issues of the traveller are not too serious, and that local medics are equipped to handle the health issue in question. Some regions however, may have a decided lack of medical facilities or staff who are poorly equipped to handle the more serious or possibly life threatening medical problems. This is where medical evacuation cover is essential. Medical evacuations can be extremely expensive, and could potentially bankrupt an individual who suffers a medical emergency in a poorly equipped region.
Loss, Theft or Damage of Baggage
Arriving at your destination without your baggage is not how you want to start your holiday. If these have been lost after being checked in by your airline, then some compensation is likely to be payable. There are often limits on this amount, however, and travel insurance will often more comprehensively cover you for any potential loss. Flow on issues, like the need to immediately replace the necessities in your baggage (such as with medication) can also be handled by having a travel insurance policy.
Adventure/ Extreme Sports Travel
If you are going to partake in such activities, just make sure you are covered. Adventure activities can be a great part of holidays, but it is better to have insurance cover in the unlikely event of a mishap.
Cheap Travel Insurance is an easy way to make sure you are covered for any unforeseen problems on your trip.
Top 5 Reasons for Travel Insurance
By: Josh Harrison
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