When we buy a car or a house, what is one of the first things we do to keep those assets secure? Get insurance for it, right? The same is true for traveling, you cannot just leave without getting coverage for the trip.
Some people brush it off when you tell them to buy travel insurance, but accidents do happen, and it pays well do be well-prepared when you are out gallivanting around the world. Travel insurance is what will provide you with the coverage you need if you get injured during a hike, for when your flight is cancelled, a family emergency at home, or of you lost your personal belongings. While the level of the policy is determined by what you and your provider discussed, it is easy to see the benefits that come with getting insurance.
We know, one of the things that make you turn away from it is how daunting it is to actually get one. There are so many policies and confusing terms, you might just end up scratching your heads on this one. So here is a guide to help you avoid bad insurance plans.
It is easy to get coverage if you are only going to one place, but multiple destinations might be a bit tricky. You have to make sure that all of the places you will go to, even the stop-over destinations, are covered. If you are going to stay in one place for a night, that should be part of your insurance.
Not all of your items will be covered by insurance. For items like gadgets, jewellery, IDs and whatnot, these are usually excluded from the policy. So do not forget to go over the terms of your agreement again and check how much will be covered, for which items, and if it is enough to cover lost or damaged items. If you can, consider upgrading your policy so that everything you have is well protected.
Medical treatment coverage
One of the most important things you need to go over is the medical treatment and evacuation coverage. This ranges from the kind of medicine they will give you, the transportation, the medical practitioner fees for when you need to be transferred to another hospital, and even transit to a hospital in another country. Discuss specific circumstances where you policy will apply.
Also check if you can get coverage for injuries while doing sports activities like rafting, hiking, and so on. Certain policies specify what kind of sports related injuries are covered, so better be on the lookout for that.
Take note of what is not included in your policy
Terms that are not part of the insurance policy is just as important. Go over the disclosure statement again to see which ones will not be part of the insurance you are about to purchase. This will help you avoid doing certain activities that will put you at risk and so that you can take extra precautions during your trip.
Hopefully, this list will help guide your discussions with the travel insurance provider to make sure you are getting the most out its benefits.