Many do not know about the Benefits and Importance of Travel Insurance. If you are planning to travel to America or Europe, one of the conditions that must be met to be able to go to the destination country is to have travel insurance. Even some countries in Asia also enforce policies to have travel insurance.
What exactly is travel insurance? This insurance is a type of protection that is used as long as you travel abroad, either because of your hobby of traveling or work that requires you to travel to several countries.
Travel insurance is very useful when there are things that you don't want to happen during the trip. If you really want to have this insurance, you have to take care of it before traveling abroad so that the trip can be comfortable.
There are several benefits that you can feel when using travel insurance. Anything? Come on, see the reviews below!
5 Benefits of Travel Insurance
Provide Coverage for Medical Treatment Costs - The first benefit of travel insurance is being able to provide sum assured from the medical care and treatment you get while in the country in the event of an accident or injury.
Getting Compensation for Death - If you as the breadwinner dies while traveling, then one of the benefits of travel insurance is to get a sum of money that will be given to your family from the insurance.
Compensation for Loss of Baggage or Damage to Goods - Sometimes during a trip there are incidents where passengers experience baggage or goods being carried are lost or damaged. If you have travel insurance, you can get compensation for the event.
Get Compensation For Cancellations or Late Trips - When traveling, sometimes there are conditions where the plane or vehicle you are using is late for up to 12 hours or has a departure cancellation due to several conditions such as bad weather problems, vehicle conditions that are not roadworthy, or other problems.
Well, if you have travel insurance, one of the benefits that will be obtained is receiving compensation from the insurance if this happens. The forms of compensation received by participants may vary, one of which is getting free food and drinks or lodging at hotels that partner with the airline.
Obtaining Coverage from Losses Due to Natural Disasters and Terrorism - There are several travel insurance services that provide benefits in the form of coverage against natural disasters and acts of terrorism that cannot be predicted when they will occur. If you have travel insurance, financial or physical losses can be covered by the insurance.
Usually professional travel insurance services will provide protection services including medical evacuation for 24 hours every day while you are traveling and activities at the destination.
Tips for Choosing Travel Insurance
Just in addition, before actually choosing travel insurance, you should study the travel insurance used. There are 5 things to note:
- Learn which countries the insurance applies
- Learn how much coverage you get from travel insurance
- Pay attention to insurance protection time
- What conditions will the travel insurance cover?
- Medical history requirements. - Usually the insurance company does not cover the health conditions that you have experienced before. But try to find out more about this, maybe there are several medical conditions that can be covered by travel insurance
In addition to using travel insurance, if needed you also need to use life insurance or health insurance which is currently widely available. Both of them have their respective advantages. What is clear, choose according to your needs.