Part 1: Your Most Important Travel Companions

Jani Davids
1 day ago
5 min read

Updated: 4 hours ago

Travel Insurance Cover

I’ve already covered some of the things that may go wrong on a trip but let’s have a more in-depth look at what will really help you to be relaxed throughout you journey.

As a first-time traveler to an unknown destination, you most probably fret about the things that can go wrong on you trip. This is normal. Every person who ever took the road less-travelled went through the same stressful situation. The first question that normally comes to mind is whether you’ve got all your bases covered in case of emergencies.

Related Post: Foreign Trips: Batten Your Hatches For A Journey Into The Unknown

In your excitement to get your packing list in order, you might just overlook some things that are more important than just your general packing list. I’ve compiled a list that will make sure that you travel worry-free no matter where your heart takes you.

Travelers, as well as travel suppliers, are often faced with events that are out off our control. Therefore, it is your duty as a traveler to ensure that you prepare a contingency plan to put your mind at ease before your journey. You will also enjoy your trip more if you know that you've taken care of all the things that you could think of that could go wrong. For your own sake and those who will accompany you on your travels.

At the beginning of your planning, it would be wise that you start with travel insurance as you have to make sure that you get your cover sorter out well ahead of your trip.

Travel insurance an absolute must, especially if it's a cross border trip. There are two main reasons that you should consider when thinking about the necessity for such insurance when you start planning your trip:

Most destinations require to be in possession of travel insurance and can deny you entry if you don't have it.

2. It's important for you and whomever you travel with that you are sufficiently covered for any unforeseen events that might occur during your visit in another country.

Also, it is prudent to have back-up insurance at home for things that were not covered by your travel insurance.

First, let’s look at what are the most important things that you’ll need cover for on your travels. The type of cover you should be looking for is Comprehensive International Travel Insurance and it should include the following:

1.Emergency Medical & Related Expenses, including Pre-Existing Medical Conditions (declared) and Hospitalization Expenses.

2. Personal Accident, Death & Permanent Disability including assistance in the event of Death and the Relocation of Remains.

3. Trips Cancellation for Illness, Emergency, Health Risks within the destination, Terrorism, and Loss of Valuables.

4. Inconvenience cover for Theft or Damage to Baggage, Personal Items and Loss of Cash and Travel Documents.

5 Personal Liability, Kidnap, and Wrongful Detention.

5. Emergency evacuations(medical and Political (security evacuation) for civil unrest and instability.

Always check the specific policy for “Exclusions” like war, known risks and limits, with dedicated security political evacuation endorsements for high risk travel areas.

Look for top-rated providers which are highly regarded for their extensive global networks and flexible coverage options. The plan must be well-suited to your travel needs, including trip duration, age and desired coverage limits.

Get Compensated for Airline Mishaps

Solve Your Travel Claims Issues Without Getting the Run-Around from Carriers

To make sure that you are always compensated for events that specifically concern airline carriers. This can become become a huge sticky point if there are some exclusions in the comprehension international travel insurance policy that are worrisome to you.

Year after year, thousands of travelers across the globe suffer great financial losses due to events that cannot be controlled by carriers. Such as rapid changes in weather, civil unrest (riots and strikes) as well as war. You can easily get stuck with flight cancellations, delays, missed connections, and are denied boarding for some reason or other.

If you are faced with any of these events, you might just end up not getting fair compensation for it. Irrespective of what the event, you'll be more comfortable knowing that you're covered for it even if it meant taking out another policy that is primarily focused on airline carriers.

There are great Global Travel Insurance companies that will cover you for such incidents, and when shopping around, look for companies that specifically offer policies related to the above-mentioned events.

Related Post: Part 2: Communication

Here are some ideas to get you started:

* Trip Cancellation – in most cases you can be compensated for trip cancellation due to illness, injury, or death (yourself, a family member, traveling companion, or for other reasons.

* Trip Interruption – due to illness, injury, or death (yourself, family member, traveling companion.

* Trip Interruption for Return Transportation – enables you to claim for additional expenses incurred by you to reach the return destination if your trip is interrupted by unforeseen events.

* Trip Exchange – allows you to move your trip to a future date instead of canceling completely.

* Trip Saver – to compensate you due to inclement weather and common carrier caused cancellation, or a delay to your point of departure of regularly scheduled airline flights by the airline.

* Trip Delay – covers you for additional expenses until travel becomes possible to resume your trip.

* Missed Connection – this is a bit tricky as it may exclude compensation if you did not leave adequate time between connecting flights when you booked. Nevertheless, it enables you to get compensation for inclement weather or common carrier-caused cancellation or a delay to your port of departure or regularly scheduled airline flights.

* Baggage Coverage and Delay – enables you to get compensated for lost, damaged or stolen while on your trip. For delayed baggage you can get compensated for the purchase of necessary personal effects.

* Emergency Evacuation and Repatriation of Remains – this will cover expenses to be paid to a medical or other facility in the event of death or medical emergencies.

* Security Evacuation – will cover you for trip cancellation or trip interruption due to riots or civil unrest.

Wrapping Up

I’m sure there are many other events that you can think of that suits your situation, whether it has to do with health, your destination, family travel, or even pet travel insurance coverage. Make a list or add them to this list after deciding which fits your needs best. I’m sure there are many in my list that you might not need now, but may need at a future time.

The point is to arrange your insurance coverage well-ahead of your trip. And as always, as far as insurance cover is concerned, do intensive research and speak to your local insurance provider before making any decisions.

And to avoid your BP skyrocketing, read and re-read the fine print to make sure you've purchased sufficient cover to get what you deserve in claims.

Carpe diem and … healthy and safe travels!

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