The Importance of Having Travel Insurance When Going Abroad


Travel Insurance /

International trips provide travelers with the opportunity to experience a different culture and take on a new adventure. After carefully choosing your destination, the next step is to plan for your itinerary and to complete any needed requirements. Often suggested but not required or given importance is to have travel insurance. For those unfamiliar to the term, they might ask if this is even unnecessary.

Many travellers opt out of the travel insurance offered in-flight or by a ticketing agent.  And I’ve seen cases when they regret it later on.

 

Travel insurance just like any forms of insurance are used in order to protect you against unexpected events.

Up looking down.

Flight Delays and Interruptions

We had a delayed flight once, due to snow that made landing a bit difficult for planes. It was a flight from Vienna to Munich, and Munich to Doha with a final stop in Manila. We didn’t make it to the 9:30-connecting flight from Doha to Manila. It was a rather uncomfortable day, coming from a snowy city to a dry and sunny one. C got sick and was gloomy during the whole vacation.

It was a good thing that we were checked-in by the airline into a hotel for the next available flight. I didn’t file

Flight cancellations and emergencies

On Airline’s Part

If an Airline cancels your flight, they should find an alternative flight or refund you in full. Depending on Airline policies, these responsibilities may change.

On Your Part

If you cancel your flight, you may claim from your insurance as long as the reasons are in the covered reasons of cancellation. This includes illness, wrong booking (redundancy), and incapacity to leave home for certain reasons. The latter may well be because of home leak, police inquiry, and such.

However, you need to declare your medical condition or illness when you book your flight and include your travel insurance.

Getting Sick While Away from Home

 

Getting Injured in Public Premises

Losing Your Luggage

(Beach is no fun if you get sick…)

If you want to have peace of mind before and while on the trip then you should consider getting travel insurance.

If you are about to purchase one, it is better to look at the different types of travel insurance available. You might be overwhelmed with the number of options and agents will try to sell you a bundle. Examine closely the details and only go for a coverage that you will need instead of wasting money on a coverage that is unnecessary.

If you have any questions with regards to travel insurance , its benefits, usage and policies the best thing to do is to seek the help of an agent that can help you make the right decision. Do you take on travel insurance when you travel?

Many travellers opt out of the travel insurance offered in-flight or by a ticketing agent. Travel insurance just like any forms of insurance are used in order to protect you against unexpected events.
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One Reply to “The Importance of Having Travel Insurance When Going Abroad”

  1. This is so true – many people don’t realize the importance of insurance when they travel, so it’s great that you laid out the benefits like this. I wish more people would take this as seriously as you! 🙂

    Sara

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