subject: Figuring Out the Basics of Travel Insurance [print this page] Figuring Out the Basics of Travel Insurance
So, you've been working hard for the past few years, been saving up your hard earned dollars, and decided that it's time you took a holiday. You've spent the past decade eyeing off Europe, Egypt, and Australia, somewhere or anywhere overseas. And hey, you know that you deserve a holiday, whether it is to explore somewhere new, to relax in a resort, or to backpack around, seeing as much of the world as you can. You've looked at hotels, airfares, train and bus fares; you've started planning your getaway from real life. Do you feel like you're forgetting something, something important? Perhaps you are, have you considered the need for travel insurance?
Travel insurance is one of those extras costs that many people don't want to pay. Travelling is expensive, the flights, hotels, the daily activities you may partake, and those little extra costs that you know will come up, an added cost on top for events that may not happen isn't that important, could it?
Stolen or Lost Luggage Covered
Let's take this situation for example. You have book a flight from your home city to somewhere across the other side of the world, you have packed you clothes, got your plane ticket, gone to the airport, checked in your luggage, and you're on the flight. The flight has one stop over, for five hours. Due to jetlag, you are so tired you fall asleep in the terminal, with your carry-on luggage with you. This luggage may contain your passport, cell phone, laptop, important phone numbers, your medication, and even your wallet, with your money and credit cards. You wake up to find your carry bag gone, and all of a sudden you are completely screwed. You have lost all your money, and some expensive possessions that you will never see again. This is your problem, not the airport's, the plane company's, and it is highly unlikely that the local police will be able to do anything for you.
You aren't screwed completely, however, if you have travel insurance. With this insurance backing you up, you are able to make a phone call and speak to someone and explain what happened. That little extra cost at the start of the trip means you will be able to get some of what has been stolen back, especially your cash for the trip. Learn about Zurich Life Insurance. Also make sure to visit MLC Life Insurance Company.
Medical Emergencies Covered
Travel insurance also helps out greatly if you an injured overseas. For example, you may be skiing in the Swiss Alps, when you take a wrong turn, stumble, fall awkwardly and break your leg. To be seen by a doctor in a foreign country, or admitted to hospital for treatment, can cost hundreds, sometimes thousands of dollars, which you may not have. Instead of landing you with a massive debt on top of your medical problem, travel insurance will see you covered for all expenses that may occur while overseas.
For those travelling, whether it be interstate or overseas, travel insurance is a must have, it can prove just as important as your plane ticket, should things go wrong.
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