Wednesday, July 17, 2019

Reasons why you should buy travel insurance

Hi Everyone,

With so many condominiums in Selangor for sale, it is not difficult to find the right one for yourself. However, saving to buy a house is different from saving for a vacation. After all, buying a house is a huge commitment that involves a huge sum of money. Saving for a vacation is much easier compared to saving to buy a house. So you have finally saved enough money to go on your dream vacation that you have been planning for months. You start planning your outfits, your itinerary and so on so forth. Now you are wondering if you need to buy travel insurance. You cannot decide it you need to spend that extra expense for travel insurance. After all, you have already spent so much for your upcoming trip. The answer is, yes you need travel insurance. This article will guide you through the reasons why you should buy travel insurance. 

1. You need to cancel your trip 

There might be some unpredictable event that happens before you go on your trip and that you have to cancel your trip. For example, someone gets sick and has to forgo the trip, or death of family member, or you need to work last minute. All these unpredictable events might need you to cancel your trip. What about the money that you have spent on your air tickets, accommodations and tours? 

Fret not, with the trip cancellation coverage, you will be able to cover these expenses for the covered reasons. 

2. Your flight is canceled 

After attending a conference, you arrived at the airport to catch the next flight home. But you are told that due to tornado, your flight home is canceled. You start panicking as it is already late at night and you just want to go home as soon as possible. 

Worry not, with the trip interruption coverage, you will get a refund for the canceled flight to get a new ticket, or to stay in a hotel. 

3. A hurricane damages your travel destination 

Natural disasters are unpredictable. You saved so hard for your dream vacation. But a hurricane happens just one week before your travel date. The hotel that you will be staying is destroyed badly by the hurricane. 
With the travel insurance coverage, you will be able to recover the prepaid costs. 

4. A terrorist event occurs 

Let us say there is a terrorist event that occurs in the country you are planning to go. The airports are closed due to security and safety. It is also not the right time to travel to the country. 

With the terrorism coverage, you can cancel the trip without losing the money that you have spent. 

5. Your baggage is lost or delayed 

The day has come and you are finally in your favorite country for a 10 days vacation. Unfortunately, the airline has made a mistake and your baggage will not arrive until tomorrow. Your dresses, clothes, shoes, personal items and so on are all in the baggage. 

Do not panic. With the coverage for delayed bags, you will be reimbursed for the items that you need for your trip. 

Let us say that your baggage is unfortunately lost and you need your baggage for an important conference. Do not worry as the coverage for luggage that is lost, stolen or damage will reimburse you for new sets of clothes and personal items. You will be reimbursed for a new suitcase as well, so you can bring your new stuff home with you. 

6. Your passport is lost 

One of the biggest problems while traveling is to have your passport lost. You forgot where you last kept your passport. You might have dropped it. You might have left it on the table of a restaurant. You cannot remember. 

Do not be devastated. With the coverage for lost passports, you will have help with expediting the process of paying and replacing for a new passport. 

7. You get sick or injured during your trip 

You had a really bad diarrhea after a night out with your friends. It was so bad that you got sent to the local hospital due to dehydration. You had to forgo the plan of hiking. You were required immediate medical care. 

With the travel medical coverage, you do not have to worry about paying a huge medical bill. You will also get assistance service to locate suitable medical facility with arranged transportation. 

8. You need emergency medical evacuation 

Imagine this situation: you are hiking a mountain so high and you suddenly could not breathe due to the altitude. You have a really bad dizziness and you could not hike any further. You need immediate medical attention. What can you do to ensure your safety? 

With the medical evacuation coverage, you can arrange safe transportation to the nearest hospital. Do note that typical medical evacuations are not cheap and could cost you tens of thousands dollars. But with travel insurance, you will be safe, and your bank account too. 

In conclusion, having travel insurance for your trip is important. Travel is always unpredictable and you never know what is going to happen next. Therefore, travel insurance is here for the rescue and protects you. Get the right travel insurance for your needs to give yourself a peace of mind. 

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