Travelling With Insurance




Travelling and sightseeing are one of the most enjoyable things a person can do to relax while taking time off from work, school or other responsibilities. You expect a holiday to be one of pleasure and gaiety but unfortunately, sometimes it becomes a nightmare.
There are hundreds of circumstances that could ruin your trip, such as returning home early and seeking emergency medical treatment while traveling. To demonstrate the importance of purchasing travel insurance, here are 10 common examples of what could go wrong:
1. It's 10 p.m. and your family arrives at the airport for a connecting flight, only to find that your flight has been cancelled due to bad weather. What do you do?


2. You drove a rented car in London and you collide with another vehicle. Who will compensate both you and the other driver damages? What if either one of you is injured?


3. Your first visit to Europe, and your passport and wallet are stolen. How will you replace lost documents when you have no money on hand?


4. Your spouse is involved in an accident and he/she has to spend 2 nights in the hospital. Who will help reimburse the costs?


5. If your sister-in-law becomes seriously ill and you choose to cancel your trip, what happens to your non-refundable deposits or pre-payments?


6. You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?


7. Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?


8. You become a victim of a pickpocket while on holiday in Rio. What do you do after making a police report?


9. Your first trip overseas and the plane you are on is hijacked. Who will compensate you when the hijacker is arrested and you go back to where you started? What happens if you are injured?


10. You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will reimburse your lost vacation?
Purchasing travel insurance will not only enable you to travel with a certain ease of mind, it will definitely help lessen the shock and burden of any unwanted incident what may occur during your trip. Although different travel insurance comes with its benefits, you must make sure that you do read and understand the policy that you have signed up for (especially the exclusions section) to avoid confusion over the agreement with the insurance company.
Travel insurance's detail may differ by:
Area (Asia or International)
Age of traveler
Payment per trip or per year
Date or length of trip
Units that may be purchased
Compensation amount
Exclusions
Types of services (medical, money changer, lodging, etc)