Youmight think the two major decisions you need to make while booking a trip ishow you are going to get there and where you are thinking of staying. Travelinsurance is another important factor to consider. For many people, it may seemlike just one more expense, and many travellers ask the question of why buytravel insurance?

Whetheryou are going on a business trip or for a leisure, you need extensivepreparation to make sure that the journey would be fruitful and safe. Here,travel insurance becomes a vital part of tour planning; it not only works as asafety net against the risk of incurring unforeseen medication expenses butalso safeguards you against other travel-related emergencies that could affectyour trip badly like losing a passport or change in baggage.

Forbetter understanding, here are the top reasons why you should get travelinsurance;

Trip Cancellation

Suppose,you suddenly find you cannot go on your trip for some unforeseen reason like anaccident, illness, or the death of a close relative. But here there is acondition that you need to buy travel insurance when you start booking ticketsand not the week before you leave. Additionally, all travel insurance plans donot cover cancellation, only a few cover your non-refundable, pre-booked costsif your trip is interrupted after you have left home. So make sure to reviewthe description of coverage relevant to your care.

Unforeseen Medical Expenses

Despitehow perfect our planning is, there are enough things that could go wrong thatcan make us feel mainly vulnerable while being on foreign soil. Incurring thecost of a medical emergency that we did not budget for could lead to financialstress. And, it could make the holiday experience turn nightmares. Here, travelinsurance comes to the rescue and offers coverage for medical emergencies andthat too on a cashless basis.

Definitely,here you should take some time to read it detail, especially the areas of coverfor emergency evacuation, limits on medical expenses and cover for emergencydental work.

Mandatory Requirement

Severalcountries have made it compulsory for visitors to have travel insurance; you donot want to reach the immigration country and be informed that without travelinsurance, you cannot enter the foreign land. Many times visa applications getrejected due to the absence of travel insurance documentation. So beforetravelling abroad, check whether or not your destination has made travelinsurance a prerequisite for travellers.

Evacuation Due to Political Unrest

Suppose,right in the middle of your trip, riots break out in several parts of thecountry due to political unrest. You evacuate immediately for safety reasonsbut the cost of flight tickets has just rocketed due to the sudden exodus oftravellers. In this condition, people have no choice but to pay for theinflated airfares to get back to safety. Now the question arises who willreimburse you for the cost of air-fare that you had to incur due to anemergency. The answer is travel insurance, it will help you to approx all yourreimbursement.

Fraudulent Charges

Supposeyou lose your credit/debit card while you are on a vacation and you startgetting texts that someone is using it. Scary, right? In this situation, notonly you are losing your money but you are losing money in a place where youmight not get proper help. With travel insurance, you will get a refund foryour money lost through payment cards for up to 12 hours prior to your firstreporting of the incident.

Baggage Get Delayed or Lost

Finally,you are on vacation. But, the airline made a mistake and your bag will bedelayed.

Withcoverage for delayed bags, you can relax. The service hotline will help you getyour baggage, besides; you will be able to get reimbursement for all theessential items you require for your trip. With coverage for luggage that islost, stolen or damaged, you will be reimbursed for new clothes and personalitems as well as for a suitcase so you can take your new stuff home.

In Nutshell

Alltravel insurance policies have specific advantages and exclusions. So take sometime and read the policy wording carefully. Policies vary depending on whichcountry you are from, read carefully and contact the service provider in caseyou are not sure about anything.

Additional Information: Now, when should you buy insurance?

First,get insurance if you are planning an international trip. Medical is included inall trip insurance plans, or you can also buy a standalone travel medicalinsurance policy.

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