Travel Insurance - Know How Important It Is

by Manya Singh
(www.weareholidays.co.in)

Travel insurance is something which is gaining prominence very fast these days.

An increasing number of tourists are taking a keen interest in an insurance policy to safeguard them against any unforeseeable contingency or undesirable circumstance.

Since, vacationers often purchase packages quite a few days in advance, at times, there are last minute cancellations which can prove to be costly.

For instance, if you had booked flight tickets and fall sick prior to your departure and have to cancel your plans, then you stand to lose a big slice of money.

But if you have opted for travel insurance, then you would be adequately compensated.

A journey to an unknown destination can prove to be hazardous simply owing to the unpredictable nature of life.

Natural calamities may compel you to make emergency evacuations leaving behind your luggage and valuable jewelries.

There may be some political or civil unrest or disturbance which may cause you monetary loss or some other inconvenience.

These losses are duly covered by travel insurance.

Though there are various kinds of policies, most of them provide protection against medical emergencies or loss of luggage.

A comprehensive policy would cover all minor and major contingencies including health, evacuation or cancellations.

Some of the circumstances which bring the importance of such insurance to the fore are as follows:

i. Flight cancellation:

If your airliner cancels or reschedules the flight owing to climatic or non-climatic factors, then you may lose out on money.

Having insurance would entitle you to compensation.

ii. Loss of documents:

In case you lose your passport or other vital documents in a foreign country, you can get an emergency passport made, provided you have opted for insurance.

iii. Trip cancellation:

If you have to back out of your holiday plans due to illness or some other personal factor, you can get back the money you had invested in your tour packages.

iv. Medical emergency:

In case you suffer from some sickness, accident or injury during your holiday, you can opt for medical emergency facilities under a policy.

v. Medical evacuation:

In case you fall grievously sick and your destination town or country does not have adequate medical facilities to treat you, then you can seek medical evacuation with the aid of a travel insurance policy.

vi. Cancellations due to political problems or terrorism:

f you wish to back out of your holiday owing to terrorism-related activities, then you would be able to recover your money only if you are armed with a travel insurance policy.

vii. Natural disasters:

Supposing, you are holidaying in US. A hurricane bombards the town and you rush out of your hotel!

The loss arising out of such sudden evacuations will be compensated by your insurance company.

Besides, when one is heading for a holiday, the last thing he needs is anxiety or mental turmoil.

You may have to shell out a small extra sum to buy a travel insurance policy.

But it would come with the element of peace of mind and would help you to enjoy your vacation without any worry.

About our Guest Writer Author:
Manya Singh is a traveller and adventure seeker writing about a number of Indian &International holiday destinations.

At present she is writing about Bali tourism.

Solo Travelling, playing with nature and backpacking are few more undertakings author loves to do.

As a blogger she writes about various holiday destinations of the world and manages travel packages at WeAreHolidays.

You can learn more here about basic tips for first time travelers to help you stay safe and happy on you overseas holidays!

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