While traveling, there are several things that you must check and ensure that they are in your travel bags. Some of these key things include airline tickets, all the traveling documents, passports and even a digital camera to help you capture picturesque moments. Having all these things secured is very important. However, most people usually forget the value of securing themselves through travel insurance. Most regard it as an extra traveling expense that is not necessary not unless you are involved in an accident. Travel insurance can be very helpful in protecting you in numerous ways while on your trip. For instance, it can protect you when faced with any kind of financial loss arising from interruptions, cancellation or even when a flight is delayed. It can also protect you against loss arising from damage to your personal property, medical emergencies or even death occurring during the trip. You can also use a travel insurance to seek help in case of loss of luggage. Understanding the purpose of travel insurance is the first step before choosing the right insurance for you. Here are a few steps and guidelines that can help you choose your travel insurance. On a personal level, as a long term traveler, I had been insured by several travel insurance provider and I found that World Nomads not only offers great rates but also provide amazing coverage. That being said, in case of claim, you will not face too much hustle.
Check International Recognition
It is very important for you to ensure that the insurance company you consider is recognized internationally or even applicable in the country you are traveling to. Also ensure that the policy that you buy includes the countries you plan to visit. Get direct contacts of the insurance company as well as contact for people in the country you are visiting. This will be helpful especially when you need to make any inquiries regarding any emergencies, travel advisories and even medical assistance.(Image by Satori World Medical)
Cover your Specific Medical Condition
It I s advised that when you the policy you buy covers any medical condition you may have. This is especially if you have certain medical histories that may require consideration when in other countries. Ensure you understand properly the policies available. Though not common, there are those few insurance companies who provide refund for their policies when you cancel months in advance. Cancellation at the last minute is not applicable to most insurance companies.
Learn about cancellation waivers
These cancellation waivers are mainly offered by tour as well as cruise operators. This is where they reimburse a portion of your cost in case you cancel your departure 24 hours in advance. It is important that you read keenly all the insurance fine prints so that you understand what is covered and what is not covered. Avoid relying completely on the information provided to you by your travel agents.(Image by insurance46206)
Buy from a licensed agent
Ensure that you buy your policy from an authorized agent with a valid license. If necessary, check their licensed ID or even their license number just you ensure they are legitimate and authorized to sell the policy. Finally, ensure that you buy your policy in advance and not rush in the last minute.
Many travelers disregard the importance of travel insurance. They are however faced with challenges when in other countries when any kind of emergency, especially medical, arises. Follow the few tips on finding the right policy and your trip will be less stressful.
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Feature image by Miles