Travel Insurance is important as it protects against medical fees and some disasters that could happen while travelling. A travel policy is an essential part of your holiday preparations and needs as careful consideration as the holiday itself.
Buy Before You Go
Get insurance travel as the coverage starts sixty (60 )days before departure day as you’re covered for any eventuality long before your holiday begins.
Coverage Included
Good travel insurance will cover a variety of misfortunes from the mundane like
- minor injuries to major illnesses
- broken limbs and accidents
- hospital and doctors’ fees
- cost of air evacuation or repatriation to your home country.
Insurance Plans
There are different ranges of plans and policies so you should choose carefully your requirements, do you need an annual plan or a single? Think of any risks that you will be involved and the activities you may be undertaking.
What Are You Paying For?
Expensive doesn’t mean the best. Cheaper doesn’t mean it’s useless. The cheaper the insurance the less comprehensive the coverage is likely to be. For example the amount of compensation for loss or damage to luggage, delays, loss of currency and credit cards will also be less generous and cancellation of the trip may not be covered at all.
Your Insurance Check List
Most insurance policies do not cover:
- Chemical attacks
- Injuries caused by terrorism, blasts and acts of terrorism, civil war or commotion
- Illness or accidents contributed by alcohol or illicit drug use
- Participation in dangerous or extreme sports
- A flair up of an undisclosed pre-existing condition like high blood pressure or diabetes
What You Should Do
Make a copy of your travel policy with you. In the unfortunate event of an accident or a medical emergency all relevant documents should be kept including:
- Police reports
- Medical notes and reports
- Boarding passes and tickets.
Finally…any exclusion?
Read the exclusions – some of the things the insurance provider will not pay. Read the fine print on the contract and if you have any question please check with your insurance agent or your travel agent.
