You Need to Know
Before You Travel
TRAVEL INSURANCE BASICS YOU
NEED TO KNOW BEFORE
T raveling abroad has many perks.
For one, you get to see spectacular
sights you don’t normally see everyday.
Apart from that, you also get to meet new
people, experience different culture, and
learn about so many valuable things
including a place’s history and heritage.
Moreover, during a vacation, you will not
only get the relaxation that you need, you
also get to do different kinds of activities
that will give you a rush like no other. It is
for these reasons why people constantly
have that inherent urge to go places.
Now before you pack your bags and get
on to the next flight available, you have to
remember that traveling is not all about fun
and excitement. It also requires careful
planning and preparation if you want your
journey to be a safe and successful one.
One of the things that you would definitely
need to plan for is the travel insurance.
Travel insurance is like a financial “safety
net” that protects you from various kinds
of adverse scenarios that can happen
during your trip.
Travel Insurance Coverage
A good travel insurance policy will
cover all sorts of misfortunes ranging from
minor ones like minor illnesses, insect
bites, mild injuries to major catastrophes
like broken limbs, serious accidents,
medical bills, and emergency evacuation.
Apart from illnesses and accidents, a
policy should also cover lost baggage,
delayed flights, cancelled flights, and so
on. The policy should compensate for
whatever monetary loss, inconvenience,
pain and suffering that you have endured
because of these circumstances.
Exclusions in the Coverage
Insurance coverage differs per policy.
But usually, insurance don’t cover
chemical attacks, injuries caused acts of
terrorism, civil war, or commotion,
illnesses due to alcohol or illegal drug use,
injuries caused by dangerous or extreme
sports, attacks from pre-existing medical
records such as diabetes or hypertension.
Insurance Travel Tips
Purchase travel insurance prior to your
trip. It is always best to buy insurance
before you even book your vacation. This
way, you can be covered for any possible
unfortunate event that may arise even
before you vacation begins.
Study your options. There are many
kinds of travel insurance, which include
but are not limited to international
student insurance, visitor health
insurance, family holiday insurance,
insurance for senior citizen, insurance
for people with pre-existing medical
conditions, and so on. It is important
that you study all the options available
along with the costs and inclusions so
you can choose the policy appropriate
Keep a photocopy of all your travel
insurance documents when you travel.
In the event of a medical emergency or
accident, you need to submit the
following information to the insurance
company: police reports, medical bills,
doctors’ reports, boarding passes and
tickets, and so on.
See to it that you have the necessary
travel insurance company information
with you before you travel. You should
have the number to the company’s
24-hour emergency hotline.