Sometimes, you ask yourself why it is so important to acquire travel insurance. If you do not know, read this travel insurance overview in which you will find many reasons to acquire one.
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Traveling, one of the most wanted experiences
Traveling is probably one of the most wanted experiences for almost everyone, people usually save money for a period of time, make some planning, and travel expecting always the best, but, what would happen if the airplane company loses your baggage? Or maybe you get robbed, or even suffer an accident? That’s the reason why travel insurances were created: to cover a long list of incidents that may happen to you during your trip.
How do they cover you?
What would happen if, when you are traveling, your plane has an accident but you paid for a flight accident insurance plan? First of all, we should know that this is a different case; the flight accident protection function gives peace of mind for you and your family if you suffer an airplane accident during a scheduled flight.
So they’ll pay up to 1million dollars (according to the contract you made and the insurance agency) in case of death or dismemberment, of course there are flight insurances that also cover Terrorism, emergency evacuation or repatriation, and even re-scheduled prices.
Accident insurance
So, again with the question, you MUST know exactly what you are paying for, for example, the contract says: “… on scheduled bus trips”.
It means that if you have some accident during a “scheduled trip” then the agency may cover you, but what if you are going back to your hotel after the trip, then probably you won’t get covered, you may also have to prove that you were on schedule, for example, if the agency’s schedule says “the bus trip is 45min and we deliver at 9am” and for unexpected reasons you leave at 9:10am, there’s too much traffic and you have an accident at 10am while you are still traveling on that bus, then probably you won’t get paid, why? Because the agency’s schedule said you were going to arrive at 9:45am, so the accident was out of schedule.
The best way to control this things, is to make good contracts, instead of saying “I’m arriving at 10am” you write “I’m arriving around 10am”, so, we must know exactly what we are paying for, it’s not like paying for a cheap life insurance which is easier to understand (of course, just the cheap one), travel insurances have to be written properly.
Why getting a travel insurance?
Paying for a Travel Insurance gives us coverage for unexpected events during our trip; it includes coverage for natural disasters, illness and even theft. It means that we can be refunded if weather doesn’t allow us to travel, or being re-scheduled faster, get some cash if we have no money after losing our wallet or being robbed, or even being helped quickly if our baggage and insulin inside it were robbed.
What kind of accidents?
It’s according the kind of insurance you pay for, but usually this is the list and what they cover:
- Trip Cancellation or Interruption.
- Trip Delay.
- Baggage and Personal effects.
- Baggage Delay.
- Dental/Medical expenses.
- Emergency Assistance.
- Flight accident insurance
- Legal Assistance.
- There are also some other unexpected events that a regular insurance travel agreement doesn’t cover unless you make some extra payments:
- Practicing high risk sports.
- Traveling to high risk countries.
- Kidnap and ransom.
- Additional AD&D (Accidental Death and Dismemberment insurance) coverage.
List of aspects of travel insurance
When you buy travel insurance you should also check out the next list of aspects:
- You get paid up front or you pay and get reimbursed later.
- You compared all the options in your area.
- Check out every aspect you are paying for, for example if they also cover expensive items like laptops.
- Make sure if there are destination restrictions.
- Find out which dangerous activities are not covered.
- Check out if cancellation due to terrorist acts is covered.
There is also a very important aspect especially for young travelers, what would happen if you go out to check out how Liverpool nightlife is, you drink some beers and you have an accident… Most insurances do not cover if the client did consume alcohol or drugs.
Buying a travel insurance gives us that desired peace of mind we all want, but also we MUST know exactly what we are paying for, go visit the Pyramids in Egypt, the awesome jungle in Brazil, Machu Picchu Peru, or the technological city of Tokyo, but, find out exactly what you can cover with tour travel insurance.
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