Good Reasons Why You Should Have a Travel Insurance.
Flight cancellations or delays
Luggage delay, damage or loss
Luggage delays, sometimes it gets damaged or it can get lost. This is more likey to happen if you do not have direct flight. The risks are higher if your connections are many and with different airlines. Airlines have a guideline in regard to baggage irregularities that may occur during your travel, however they have limitations on how much the compensation can cover, other items if lost or damaged, like jewelry, electronics and other valuables may not be covered under the compensation program, in such cases a travel insurance comes in handy. It is also a common practice in some airlines not to compensate if your delayed luggage is delivered to you within 12-24 hours. Some activities like attending meeting and taking a shower if you are on vacation may not wait for your bag, you will end up spending extra cash to buy some clothes and toiletries
Some times you may have a need for medical attention when travelling. A travel insurance policy is a good companion during such times. You may not be able to access reliable medical help depending on your destination. Some destinations are very remote with limited medical facilities and equipment. In some cases you may need to be airlifted to another country for medical care depending on the nature of your medical requirement, in such cases transportation may be very expensive as well as medical bills. Some travel policies include medical airlift a good plus that I always look for when getting a travel insurance cover.
A partner to call in case of an emergency in a foreign country
Travel emergencies not limited too medical can occur while travelling. This may include civil and political unrest or disease outbreaks.Travel emergencies can be stressful in a foreign county where no one speaks or understands your language. Most travel insurance policies have a hour hotline to help one cope with such kind of emergencies like medical care, evacuation and can act as a translator between you and the care givers. I highly recommend that you check and confirm that your insurance giver is reachable 24/7 in case you need them.
- When buying your travel insurance indicate the days you intend to have for your vacation. This will make your policy less costly.
- Find out what your travel insurance policy covers and what it does not cover.
- Check with your airline on what kind of compensation is given in case of flight disruptions, this will guide you in getting the best cover for your trip.