The high season is now upon us. People from all walks of life around the world are currently busy searching for the best deals on air and land travel, accommodations, vacation packages that suit their dreams, needs and budgets. Some of them have even started making their reservations.
Here I would like to highlight one vital thing which is a must to remember when booking a trip but which is ignored by a large number of travelers.
Much has been written about the importance of insurance while traveling away from home. This is an issue that is somewhat ignored by many travelers. After all, they have been traveling frequently for many years and nothing to worry about has happened so far. So taking out travel insurance should not be a must. It’s just an optional precaution!
But reality urges us to believe that traveling without protection today is a vital mistake. Wherever you travel in the world, you must have insurance coverage to survive unexpected attacks and disasters, especially after the 9/11 attacks in the US.
Let’s say you’ve been planning the trip of your dreams for a long time; you have finally found the opportunity to fulfill your long-cherished dream of an extraordinary trip.
You are so excited! You’ve thought of every detail. You have actively prepared for this journey; thinking, programming, shopping. . . takes a lot of time, money and energy! You are proud of yourself that you finally managed to make your dream come true!
Your trip can truly be an unforgettable experience from start to finish, on one condition.
When booking your trip, you should have remembered that travel, like most exciting events in our lives, also carries some significant risks. For example, potential medical and/or financial risks associated with travel can suddenly turn all the excitement and pleasures of the journey into a nightmare.
Your luggage and/or your handbag containing your money, passport, credit cards can be stolen leaving you desperate and frustrated in a foreign country.
No one can guarantee that a natural disaster will not occur in the place where you stay during your trip.
An unexpected accident, injury or illness would suddenly ruin everything. In fact, medical costs have risen dramatically worldwide in recent years. How would you pay for urgent medical expenses, expensive hospital bills if you needed urgent treatment, or surgery and care during your trip if you lost your money, credit cards, and passport? Isn’t it a real nightmare?
In such frustration, all you needed to survive was reliable health and travel insurance, right?
Especially in light of the dire threats on and after the September 11 terrorist attacks, the war on terror, other brutal terror attacks in Istanbul, Spain, Egypt and London, frequent flight disruptions and cancellations, airline bankruptcies and more. In addition, travel providers such as tour operators and airlines worldwide have tightened cancellation policies.
So if you have to cancel a trip, there is a good chance that a large part of your prepaid travel costs will not be reimbursed by travel providers.
Recent SARS and bird flu threats have also urged travelers and holidaymakers to seriously consider purchasing travel and health insurance.
Types of travel insurance policies and prices vary from one travel insurance provider to another.
You need to review, compare and select the best offers to meet your personal needs.
For example, some insurance companies do not provide coverage outside of the US. Some carriers do not provide medical coverage and emergency care, while others do.
Some airlines do not accept being held responsible for natural disasters, weather problems, natural disasters, riots and unrest, SARS, bird flu and similar outbreaks.
The types of insurance you will need while on a trip are discussed below:
Last Minute Cancellation Insurance
With the last minute cancellation and/or interruption insurance you get cover on non-refundable deposits that you made when you took out your travel insurance. When taking out this insurance policy, carefully read the small print on the policy. Discuss your personal needs with your insurance agent before purchasing.
This is one of the most important insurance policies you should have. Purchasing health and medical insurance should be considered an important part of your travel budget. You can encounter a health problem or an accident anywhere and at any time during your trip. Make sure your health insurance and health insurance covers illness, accidents, surgeries, hospital expenses in the countries you will be visiting, emergency medical transportation to your home country. Remember to take your policies with you when you travel and leave copies of your insurance policies with a relative in your home country in case you lose the policies you have with you.
Comprehensive insurance policy
This policy generally covers emergency medical transport and travel cancellation and interruption, plus other needs you would expect. This insurance costs 5 to 7 percent of the total travel sum. You should have it for your safety.
What types of insurance do we need for full protection?
The essential insurance types offered by most providers are travel, last minute, medical, health, life, hotel, cruise, air, vacation, luxury, auto, sports and spa insurance.
Some travel insurance companies also offer affordable coverage for a wide variety of winter sports, including skiing, off-piste and snowboarding.
We may need not one, but several types of insurance according to the terms and conditions of the destinations we are going to.
If your children are traveling with you, many travel insurers will let them travel with adults for free.
Some companies offer policies for students, backpackers, low cost travel, vacation insurance, long stay, international, family travel, single trips, annual trips, annual multi-trips and more. It’s good to know that in this age of cyber you can buy the insurance you need online, even without leaving your home.
Most travel insurance policies also cover loss of luggage.
But you should definitely ask what is and what is not covered when choosing a travel insurance policy to buy. Ask questions, any questions you might have in mind, until you get all the information you need. It is much better to ask questions when purchasing insurance than to regret later.
How can I find the best insurance type to suit my personal or family needs?
When choosing a travel insurance policy to buy, you should get information about the offers of different insurance providers to compare.
Because we know how time consuming it is to search, compare and choose the best travel and health insurance types and prices to suit your needs and budget, we recommend that you visit the websites where you can find lists and information about different offers, then compare them and choose the best one to meet your needs.
Keep in mind that buying your travel insurance through travel insurers, rather than travel agents, can save you money in most cases.
In the face of terrorist attacks, unexpected natural disasters such as earthquakes, tsunamis, deadly hurricanes, floods, epidemics, accidents, disease, SARS, bird flu, which claim hundreds of thousands of lives in many places of the world, especially in recent years, every traveler must seriously consider getting travel and health insurance, and some other insurance policies if needed, that provide reliable full coverage against both expected and unexpected threats.