Why You Need Travel Insurance
Planning your dream vacation Getting ready to get away from it all When you go on vacation, especially when you go on vacation in another country, the last thing you want to do is to spend your precious vacation time fretting about all the things that could go wrong. The whole point, after all, point of getting away is to leave your worries behind. The truth is, no matter where you go, bad things can happen. It is much easier to enjoy your time away and even salvage your vacation from a disaster if you take the time to get the right travel insurance coverage.
Travel policies reimburse you for stolen, lost, or delayed luggage. They can pay for your emergency medical care when you are away from home. Travel insurance plans offer numerous options allowing you to choose exactly the features that best suit your needs. Insurance is available for a single trip, or you can buy a policy for year-round protection if frequent travel for business or pleasure is on your schedule.
Almost any travel insurance policy covers the expense of canceling or rescheduling your travel due to unforeseen events. Make sure your policy also covers costs of getting home from an intermediate destination. Many travel insurers provide around-the-clock assistance for booking an alternate flight when the airlines leave you stranded, or for finding a hotel room at the last minute in an unplanned destination. Travel insurance also will include coverage for lost or stolen luggage. You may want to be sure you sign up for coverage for your out-of-pocket expenses necessitated by luggage that is delivered late. And it's almost a certainty that you will want more than the relatively small compensation the airlines are required to give you if they destroy or lose your belongings.
One of the scarier events on a vacation is losing your wallet or passport. You should always use good judgment, but travel insurance operators are skilled at helping you get replacement documents and emergency funds.
Probably the scariest experience on a vacation, especially in an unfamiliar country, is a sudden illness. Buy travel insurance to cover emergency medical care, or, if standard care is not afforded by your destination, air evacuation home.
Don't forget, also, to sign up for recreational coverage that will pay for your emergency care after accidents while skiing, windsurfing, or diving. The right travel insurance is essential to get you the care you need should an accident strike.
Travel insurance premiums usually add between 5 and 7 per cent to the price of your total trip, but that's a small expenditure for a fun, relaxing, stress-free vacation.
Travel policies reimburse you for stolen, lost, or delayed luggage. They can pay for your emergency medical care when you are away from home. Travel insurance plans offer numerous options allowing you to choose exactly the features that best suit your needs. Insurance is available for a single trip, or you can buy a policy for year-round protection if frequent travel for business or pleasure is on your schedule.
Almost any travel insurance policy covers the expense of canceling or rescheduling your travel due to unforeseen events. Make sure your policy also covers costs of getting home from an intermediate destination. Many travel insurers provide around-the-clock assistance for booking an alternate flight when the airlines leave you stranded, or for finding a hotel room at the last minute in an unplanned destination. Travel insurance also will include coverage for lost or stolen luggage. You may want to be sure you sign up for coverage for your out-of-pocket expenses necessitated by luggage that is delivered late. And it's almost a certainty that you will want more than the relatively small compensation the airlines are required to give you if they destroy or lose your belongings.
One of the scarier events on a vacation is losing your wallet or passport. You should always use good judgment, but travel insurance operators are skilled at helping you get replacement documents and emergency funds.
Probably the scariest experience on a vacation, especially in an unfamiliar country, is a sudden illness. Buy travel insurance to cover emergency medical care, or, if standard care is not afforded by your destination, air evacuation home.
Don't forget, also, to sign up for recreational coverage that will pay for your emergency care after accidents while skiing, windsurfing, or diving. The right travel insurance is essential to get you the care you need should an accident strike.
Travel insurance premiums usually add between 5 and 7 per cent to the price of your total trip, but that's a small expenditure for a fun, relaxing, stress-free vacation.
About the Author:
Graham McKenzie is the content Syndication Manager at insurance123.co.za South Africa's leading Travel Insurance information portal
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