Everybody has different occupations, hobbies and lifestyles and the insurance industry needs to accept these differences and make allowances for special situations. In today's society you can insure almost anything, whether it's your pet or your golf bag or even your right arm. These unusual policies are often more expensive. Travel insurance is a sector in insurance which sees more compensation and alleviates more cases of stress abroad than virtually any other sector. Travel insurance is also cheaper and often covers a wider range of instances than most other insurances.
You could be looking at paying into the hundreds of thousands if you have a minor accident abroad unless you have adequate travel insurance. Maybe even more than the cost of the family home. How much money do you spend every year on home insurance? Compared with the more expensive and more common life, home, vehicle and medical insurances, travel insurance is a lot cheaper and covers a far wider range of potential catastrophes and it is just as important as other types of insurance.
Try to imagine this scenario: You've planned your holiday away and just want to get on your plane and start the vacation. You have spent a lot of money on extra accessories: toiletries, camera film, new shoes, new clothes and you're looking forward to finally using them. On your way to the airport your car breaks down, making you late for your flight. Not many people can afford to just purchase another ticket. The airline would never just hand you one, unless you have travel insurance. Travel insurance can cover you for costs in respect of reasonable additional accommodation and travel expenses necessarily incurred to reach your exotic destination on time as a result of the failure of the vehicle in which you are travelling get you to your departure point in time to start the journey, provided you have allowed sufficient travel time to ensure you meet the departure check in time. Terms and conditions usually apply. This means the cost of another flight, cost of a taxi to get you to the airport again, cost of hotel room at the airport if you can't fly till the next day etc.
Or imagine that a traffic jam has slowed you down but it hasn't stopped you getting to the airport just in time to get on your flight. In your hurry to get onto the plane, you've mislaid your hand luggage which contains your money, new sunglasses, some extra cash and some in-flight necessities. You're pretty sure you left it at the duty free chemist. You can't turn back now. You're already running late and the plane might be waiting for you but the other passengers won't be too impressed. Do you just kiss that bag goodbye? Not if you have travel insurance. Travel insurance will replace (in the equivalent in monetary value) your bag and its contents including the money.
Okay, so you got on the plane and you've so far managed to keep all your belongings in tow. You jet off to your beautiful holiday destination and your accommodation is perfect but you realise you've got food poisoning in the hotel restaurant. If you're lucky, a quick visit to the chemist will fix you right up but you end up being moved on from one doctor to the next in the hope of diagnosing your ailment, incurring multiple medical costs along the way. This seems excessive for a case of the trots but in some third world countries (where a tummy problem could be more serious than food poisoning), good doctors can be hard to come by and the most trivial of illnesses can be overlooked. Travel insurance will cover your medical costs even if the situation escalates and it turns out to be something worse than food poisoning which could causing you to be hospitalised. Travel insurance will pay for the cost of transporting you home under medical supervision and if you cannot be safely moved, travel insurance will pay for the cost of flying a close family member to your side to support you and be with you until you are well enough to be transported home.
During your travels you cannot predict what will happen to you and being in a foreign country can often only make it more intimidating or nerve-racking. Travel insurance is designed to ease any complications you may encounter and offer you peace of mind so that your nerves don't get the best of you and spoil your time away.
You could be looking at paying into the hundreds of thousands if you have a minor accident abroad unless you have adequate travel insurance. Maybe even more than the cost of the family home. How much money do you spend every year on home insurance? Compared with the more expensive and more common life, home, vehicle and medical insurances, travel insurance is a lot cheaper and covers a far wider range of potential catastrophes and it is just as important as other types of insurance.
Try to imagine this scenario: You've planned your holiday away and just want to get on your plane and start the vacation. You have spent a lot of money on extra accessories: toiletries, camera film, new shoes, new clothes and you're looking forward to finally using them. On your way to the airport your car breaks down, making you late for your flight. Not many people can afford to just purchase another ticket. The airline would never just hand you one, unless you have travel insurance. Travel insurance can cover you for costs in respect of reasonable additional accommodation and travel expenses necessarily incurred to reach your exotic destination on time as a result of the failure of the vehicle in which you are travelling get you to your departure point in time to start the journey, provided you have allowed sufficient travel time to ensure you meet the departure check in time. Terms and conditions usually apply. This means the cost of another flight, cost of a taxi to get you to the airport again, cost of hotel room at the airport if you can't fly till the next day etc.
Or imagine that a traffic jam has slowed you down but it hasn't stopped you getting to the airport just in time to get on your flight. In your hurry to get onto the plane, you've mislaid your hand luggage which contains your money, new sunglasses, some extra cash and some in-flight necessities. You're pretty sure you left it at the duty free chemist. You can't turn back now. You're already running late and the plane might be waiting for you but the other passengers won't be too impressed. Do you just kiss that bag goodbye? Not if you have travel insurance. Travel insurance will replace (in the equivalent in monetary value) your bag and its contents including the money.
Okay, so you got on the plane and you've so far managed to keep all your belongings in tow. You jet off to your beautiful holiday destination and your accommodation is perfect but you realise you've got food poisoning in the hotel restaurant. If you're lucky, a quick visit to the chemist will fix you right up but you end up being moved on from one doctor to the next in the hope of diagnosing your ailment, incurring multiple medical costs along the way. This seems excessive for a case of the trots but in some third world countries (where a tummy problem could be more serious than food poisoning), good doctors can be hard to come by and the most trivial of illnesses can be overlooked. Travel insurance will cover your medical costs even if the situation escalates and it turns out to be something worse than food poisoning which could causing you to be hospitalised. Travel insurance will pay for the cost of transporting you home under medical supervision and if you cannot be safely moved, travel insurance will pay for the cost of flying a close family member to your side to support you and be with you until you are well enough to be transported home.
During your travels you cannot predict what will happen to you and being in a foreign country can often only make it more intimidating or nerve-racking. Travel insurance is designed to ease any complications you may encounter and offer you peace of mind so that your nerves don't get the best of you and spoil your time away.
About the Author:
If you're about to purchase your cheap travel insurance online, check out our competitive and reliable travel insurance policies.
Panoramio
Panoramio
0 comments:
Post a Comment