Travel Insurance: What’s in, What’s out

Don’t sell short on travel insurance. You might take this service too lightly either because you have already been covered by excellent life insurance or you flat-out think that it is a waste of money to spend on such luxury. Yes, even in these modern days of internet, there are people out there who think that insurance is the kind of service that is a luxury they cannot afford. And if general insurance is considered so, you can get the picture when it comes to one intended for travel. In reality, getting yourself covered with insurance during your travel is probably one of the wisest moves to take. People would be drunk in enjoyment and happiness during their getaway, so much so that they forget that dangers could be lurking beneath that pristine seawater or behind the lush jungle. The moment they strike you, that would be it for you. You either come up with something to fight for yourself or resign to the fate.

With insurance covering you, however, at the very least, you can breathe rather freely knowing that your life is protected from possible dangers…

But do not take just about any travel insurance you bump against. You need to learn the things covered by the service lest you would fall prey to disappointment. The first thing covered by this kind of insurance is emergency medical expense. Do not think that just because you’re having fun at a beach, illnesses won’t come after you. Falling sick during a getaway is the worst kind of experience and your insurance should be able to cover for the expenses of medical assistance. Some insurance would even take care of the means of transportation to take you back home. The second thing that falls under the protection of this insurance is personal possessions (including baggage). Conditions covered by the service include accidental loss and damage or theft of your personal belongings as well as money.

The last thing covered by this insurance is cancellations. It would be either your flight is cancelled or you need to cut the trip short for reasons such as illnesses or family bereavement…

The things that aren’t covered by travel insurance include:

  • Failure in reporting stolen/lost belongings
  • You’re given a 24-hour window since the time of lost to report your case to the local police. Anything beyond that window would be deemed invalid.
  • Failure in declaring pre-existing health conditions
  • If you didn’t declare your conditions the first time you applied for the insurance, claims cannot be granted.
  • Incidents relating to alcohol or drugs
  • Winter sports

 

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