Worst Case Scenarios – How Travel Insurance Can Help During Extreme Situations

The 21st century is a dream come true for travel. Gone are the days when only the very wealthiest could afford to travel, and only if they had weeks or months to spare for planning. In this day and age, no matter what corner of the world you want to explore or dream of doing once you get there, all you have to do is pick up the phone or flip open your laptop and you’re on your way.

Advances in transportation technology, real-time communications, collaboration between airlines and travel-related service providers, and the advent of travel insurance, whether multiple or single trip insurance, have made travel cheaper, safer, faster, and more comfortable in almost miraculous ways. It protects you from financial loss in case of cancellations or property cancellations. More importantly, it gives you protection and a wider range of options in the event of real crises, such as natural disasters or medical emergencies. Below are some examples of extreme situations and worst-case scenarios where good policies can help.

Diseases

Sudden illness is always worrying, especially when you are abroad. Ideally, you would have done your research and gotten the necessary and recommended vaccinations – not to mention following common sense, such as drinking bottled water and wearing appropriate clothing for the climate. However, exposure to unknown pathogens or unpredictable medical conditions such as appendicitis is always a possibility. Most health insurance policies only provide in-country coverage

where they were purchased, and one of the worst things that can happen during a sudden illness is discovering that you have no medical coverage; especially in less developed countries, some hospitals will not treat people without health and medical coverage. In the event of a sudden illness, the one-way travel insurance you have purchased can not only help you get immediate medical treatment, but also cover the medical expenses incurred during your hospital stay. Depending on your policy, it may also cover losses in the event that illness interrupts your trip.

Accidents

Getting into legal entanglements in a foreign country can be a nightmare, so make sure you are very vigilant about observing local laws, especially when driving or in public areas. Just like with a sudden illness, a good policy in the event of an accident is crucial for getting urgent medical attention and covering the medical costs incurred. But more importantly, depending on your policy, it can help protect against liability in the event of injury or property damage.

To attack

With the advent of real-time news reporting and communication, it is unlikely that you will find yourself in the middle of a terrorist attack once you have done your research. More than likely, a terrorist attack could affect your plans due to your home or destination country issuing travel bans or warnings, effectively canceling your trip. A simple one-way travel insurance policy can protect you against financial losses in such a case. In the extremely unlikely event that you become involved in an actual terrorist attack, an evacuation and repatriation or acts of terrorism clause in your one-way travel insurance policy is necessary to get you home safely as quickly as possible – so if in doubt, check the fine print.