Personal Claims | Travel Insurance

Forgetting Travel Insurance

By on September 13, 2012

^Nuremberg river, watching some ducks

Vacations are an essential break from everyday routine. It can be likened to exercise. It’s having your muscles replenish after workout by eating some protein-rich food. Or it could be cooling down with a cold shower. It’s also like recharging batteries for future use. You need to refresh your brain cells for it to function better. The cliche “All work and no play makes Jack a dull boy” does hold true.

But, going on a vacation needs proper planning and preparation. Aside from making sure you have your documents, your booking details ready, you’re luggage neatly arranged, you have to consider unforeseen occurrences. I’ve previously blogged about the importance of getting a travel insurance but it’s never a bad thing to be reminded again.

Travel insurance and Peace of Mind

Travel insurance can give you peace of mind when traveling. You know that you are covered if your luggage was to get lost or stolen or if you were to fall ill or (hopefully not) if you meet an accident. Travel insurance doesn’t need to be expensive. Medical bills can certainly be high-priced if you get sick. So does the value of whatever is in your luggage if you lose your suitcase.

travel insurance
(Walking around Sentosa)

But, all the rush in booking and being excited for your getaway can make you forget ticking that box for insurance while booking online. You might forget telling your booking agent to include it for you. It’s a small mistake that could cost you a lot if you ever get sick or injured while on vacation. That’s double the hassle and so not worth it.

Injury Claims

But fret not, if you get injured while on vacation, it may not be your fault. There are people responsible in keeping public places safe or the hotel floor not slippery. Many injury claims websites explain that your tour operator, airline, and hotel staff should ensure your safety while on vacation. In a sense, they are responsible for your enjoyment and safety.  In cases where you got hurt in a hotel, tripped while on tour or got food poisoned at the hotel restaurant, you may file for personal injury claims.  You can get compensated for the medical expenses eventually incurred with the help of trained lawyers.

Forgetting Travel Insurance
(Running around Playmobil Funpark)

Personal injury includes a number of types, that’s tripping accidents, road traffic accidents, accidents at work,  assault claims, accidents at home, product defect accidents (product liability) and holiday accidents. There are also medical accidents and conditions that are often classified as industrial disease cases that are entitled for claims.

You know very well that the process of claiming involves attorneys, they cost a lot.  You can have an agreement with your lawyer  regarding the no win no fee claims from such services. It means to take on a personal injury case on the understanding that if they lose the case, you will not have to pay attorney’s fees.

Avoid the Hassle

Having to go through injury instead of enjoying a vacation is a nightmare itself. It may be a long process to file for a claim. This is why it is wiser to  make sure you got everything covered you book and actually head out. And do take care while you’re out enjoying the sun!

Going on a vacation needs proper planning and preparation. Aside from making sure you have your documents, your booking details ready, you're luggage neatly arranged, you have to consider unforeseen occurrences. Most of the time, travel insurance is forgotten, but it should always be considered when planning.
Pin This!

 

Continue Reading