Are you planning to take a trip abroad? Well, you must be very excited about exploring all the new picturesque places and trying all the new dishes. Sure, you must have also made a checklist of all the things you will need with you. But is travel insurance one of them?
If you are like most others, you may wonder: Is it essential to have travel insurance for international trips? Well, the long and short answer is YES. And the good thing is that you can buy travel insurance online. And why not?
The last thing you want on an international trip is to pay for unforeseen situations and deal with hardships.
Why Should You Invest in Travel Insurance?
Medical Emergencies Know No Time and Place
If you plan to travel for a significant period or at all, having travel insurance covers any unforeseen medical emergencies. Many medical facilities abroad want payment up front, and your insurance from home may not be accepted. Furthermore, these facilities may be expensive compared to domestic medical bills.
When you have emergency medical coverage on your travel insurance policy, you won’t have to worry about paying out of pocket for unexpected hospitalization or medical work costs. Emergency medical transportation benefits cover transportation to and from the closest suitable medical institution and the expense of returning home after receiving treatment for a covered accident or sickness.
Trip Cancellation? No Worry!
Just like a medical emergency overseas, you may cancel your international trip due to an emergency at home. If your trip is cancelled for a covered cause, your travel insurance will cover any prepaid, non-refundable costs. Some of the covered causes are:
Illness
Injury or death of the traveller, close family, or traveling companion
Military deployment
Civil unrest
Serious family emergency
Severe weather or a strike
Delay Coverage
If your trip plans need to be altered, the money you paid for your insurance coverage will help ease the financial burden. If a trip is disrupted for an insured cause, such as a flight delay, the policyholder will get compensation. Severe weather, airline maintenance, or civil upheaval are some of the typical causes that will be covered.
Now, you may have to wait a while before receiving your perks. You may be entitled to this payment if your flight is delayed by the specified number of hours. However, some plans are more flexible and provide benefits regardless of the time. But here’s something you should remember! There will be daily and total policy limits on all travel delay insurance.
Baggage Coverage
Now, what if your bag does not arrive at your destination? In such a case, travel insurance is surely a blessing in disguise.
If your travel insurance policy covers luggage, you will be compensated for the loss, theft, or damage to your checked and carry-on bags up to the amount specified in your Confirmation of Coverage.
Your travel insurance coverage may pay out the lesser of the item’s real cash worth, the cost of repair, or the cost of replacement, up to the policy’s stated limitations. But hey, not all items are covered. For instance, cash, expensive jewellery, heirlooms, etc.
Wrapping Up
Travel insurance for international trips can save you from burning a deep hole in your pocket if you find yourself in the middle of a medical emergency, travel delay, cancellation, or lost baggage. So why see it as an expense? Go and get your travel insurance online – it’s an investment in a happy, stress-free international trip!
The post Is It Essential to Have a Travel Insurance for International Trips? appeared first on Enterprise Podcast Network – EPN.
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