One of the first things we do when we buy a house or a car is to get it insured. We definitely want it to be secured and we always consider getting other important assets insurance to make sure they are also protected like how we get health insurance for ourselves.
The same goes for traveling, we should never leave without getting travel insurance. It is one of the many ways to make sure that we are safe and secure when we go to a foreign place. Some people would ignore this, mainly because getting a travel insurance is optional unlike getting a house or health insurance. But imagine this for a second: what if you get into an accident abroad and they send you to a hospital? You only have enough to cover the treatment, but not the equipment used to treat you. Well, travel insurance can get you coverage for that!
There is a lot more to travel insurance, advantages that will remove the worry out of traveling. But the most intimidating part of getting any insurance is looking at the plan options and what can be covered. To help you, here is a list of items you should look for when looking at travel insurance plans.
Medical expenses
This should be the first thing you look for when going over the items you can get coverage for. There is a lot to consider when getting medical and evacuation coverage because this will not just cover the expenses but the kinds of medicine the insurance will cover. This will also detail the transportation (meaning, the ambulance or any vehicle that was used for you), the professional fees, and in rare occasions, the transit to a hospital in another country.
You also need to check if you can get coverage for injuries while doing activities like hiking, rafting, or any sport. There are policies that specify the activities that they will cover.
Discuss with your insurance provider the specific circumstances your insurance policy can get you covered.
Valuables
Excluded in the policy are items such as gadgets, jewelry, and IDs; and this is normal, some items actuallydo not get covered unless you pay extra. So when you are going over your list, make sure that all the items that matter to you are covered, then decide if you will extend that coverage to other items. The coverage will usually include items that are lost or damaged.
Destinations
If you are only going to one place, it is easy to get covered for that. But if you are going to multiple destinations, you need to make sure that all of those places are covered. Even the stopovers should get coverage. Just remember this, if you are going to a stay in a place even just for a night, that should be included in the insurance policy.
Lastly, you need to look at the items that will not be covered by the travel insurance. This will guide on what to avoid during your trip. Use this list to help you when you are discussing the travel insurance policy with your provider.
