Why Do You Need Travel Insurance

Travel insurance is defined as an insurance intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one's own country (wikipedia.org). This kind of insurance is to minimize the financial risks during travelling, such as accidents, illness, missed the flights, cancelled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency evacuation, and getting home your your body if you pass away.

One traveler has their own loss during traveling, and of course varies from one to another, depends on how much their trip is prepared, the state of health, the value of the luggage, the place to travel, the financial health of their company and airline, and so forth. Though for most traveler this insurance is good, but for others is not. Yet, everyone is about to have a travel need travel insurance.

What are covered in travel insurance?

There are some important things covered by travel insurance, while you are having a travel.

1. Trip cancellation 

This part of travel insurance cover the reimbursement for the prepaid, non-refundable expanses if you need to cancel your trip before you depart. The cover reasons to cancel trip may consists of:

• Sickness, injury, or death of you, a family member, or a traveling companion
• Hurricane damages your destination or cancels your flight
• Laid off from work or required to work
• Terrorist incident in your destination city
• Bankruptcy of your travel supplier
• Called for jury duty

2. Medical emergency abroad

This part of travel insurance cover for accidents and emergency medical and dental care when you are traveling abroad. 

3. Emergency evacuations

This part of travel insurance will cover you to pay the emergency emergency emergency evacuation expenses, such as airlifts and medically equipped flights back home, and oftentimes will transport you to the hospital of your choice for care.

4. Lost bags, delayed bags, delayed flights

This part of travel insurance covers the reimbursement for: your personal belongings if your luggage lost, stolen, or damaged.

• Baggage Lost Coverage, in case your personal belongings if your luggage lost, stolen, or damaged.
• Baggage Delay Coverage, provides money to buy essential items until your delayed bags arrive, such as a toiletry kit, a swimsuit, or another change of clothes.
• Travel Delay Coverage, provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant.

5. Phone assistance 24/7 worldwide

24/7 Travel Assistance Services can help you:

• Locate the nearest adequate hospital if needed
• Organize medical transportation
• Arrange for treatment and overcome any language barriers
• Organize transportation home
• Replace prescriptions in an emergency

In addition, non-medical assistance may include:

• Lost baggage search; stolen luggage replacement assistance
• Lost passport/travel documents assistance
• Travel information including visa/passport requirements
• Emergency telephone interpretation assistance

Happy travelling.