There are two kinds of travellers. First are the people who say they will spend as little amount as possible for their trip, but you can bet that it took them months of saving up and delaying gratification to ensure that while they are planning to do everything on a budget, it is going to be as comfortable as it can still get. And the second are those who planned on doing the opposite and decided to splurge on their vacation abroad.
Whether you are the first kind of traveller or not, the efforts you have put in just to make this trip possible is worth the experience that you are going to get.
However, when you ask them about where they spent their money on other flight tickets, accommodation, and food, it is rare that you will hear travel insurance. Which is odd, really, since accidents may still happen, more so now that you are not in the comfort of your own home. The best way to prepare for possible medical treatment abroad is through travel insurance. It is not like it is difficult to get one, too, because you can definitely purchase one through an online travel insurance service.
If you need more convincing of the importance of travel insurance, look at our rundown below.
Medical, treatment, and evacuation coverage
You can get money for recovery for various medical emergencies, like:
- For emergency treatments, whether the whole amount will be fully covered or only a discount will be applied, depends on the amount you agreed on with your insurance provider
- For medical assistance, you will get coverage for transportation that will get you to the hospital (ambulance, helicopter, sea rescue boats), and when you can be sent home with a medical practitioner supervising the trip
- For medical evacuation, you can get coverage for getting transferred from one hospital to another, in the event the hospital you are being held in does not have the resources to treat you.
Additionally, you can get coverage for injuries, permanent disabilities, and death.
Missed flights, trip cancellation and interruption
Travel insurance will ensure that you can get on the next scheduled flight with little to no expenses in the event that you missed your original flight plan. You will also get coverage if you need to cut your trip short, especially if there is an emergency back home. Again, depending on what you and your insurance provider agreed on, you may get compensation for a trip that has been interrupted.
You will have to be specific which items will get coverage either for damage or if they get lost. Note, though, that jewelry and certain gadgets may be a problem in terms of easily securing coverage for it. But you can discuss this further with your insurance provider.
In the event that you have injured someone or have broken their property, you can get coverage for it if it is part of your travel insurance package. You may also get coverage for litigation if you find yourself in legal trouble. However, note that vehicular accidents are exceptions.
As a last note, if you want to bring your pets in a foreign country, their coverage will definitely be different. So before you finalise the package you are going to purchase, make sure you discuss your pets’ coverage further with your provider.
It is always smart to be prepared for anything, especially when you plan on traveling the world. Consider getting a travel insurance so that your trip will remain stress-free.