If you’re planning your next vacation trip somewhere, be it solo traveling or a tour with your family, there’s always the hitch of getting your travel insurance set up. Especially when traveling abroad, it’s a good question – Why do I need travel insurance?
If you’re traveling in your country to another city that you’ve already been to before and have someone you know there, you might find it not worth the price. Thus, you wouldn’t need it for such trips.
But when we speak of exploring new places, visiting another country, traveling by plane, traveling with travel insurance to back you up is a wise choice.
Why Do I Need Travel Insurance
You finally have some time off for a vacation – good for you! You want a stress-free journey where you can stretch out and stay away from the hustle and bustle for some time. Who wouldn’t want it? We’re all humans.
But during these times that we’ve been waiting for, things can go wrong. Sometimes, very wrong. It can be something like missing a flight or losing your backpack in which you had all your money and passport. That’s where insurance steps in. Here are some reasons why you should consider getting your travel insurance.
1. It Helps during the Loss of your Belongings
It can be your baggage or your essentials – passport and documents. Travel insurance supports you until you retain your belongings. In case of loss of passport and other expensive items you might hold, it can help you get a duplicate or new passport. As for your items, with travel insurance, you can be compensated upto an approved sum.
If there’s a delay in getting back your items, your travel insurance reimburses you in paying for your personal needs during that time period. These offers differ from one company to another and which travel insurance package you pick. The premium packages of any travel insurance typically provide 24/7 customer support.
2. Provides Customer Support when you need it
If you’re traveling to another country where you aren’t used to the environment or find it difficult to interact with the locals, travel insurance customer support can help you.
As mentioned before, some companies can offer these services, some might only assist when you’re in trouble. It depends on which package you go for. Travel insurance policy packages usually come with a lot of options. You can opt for something particular as in getting travel insurance just in case you miss your flight.
If you opt to cover your whole trip (where you’ll pay more) – 24/7, the travel insurance customer support can be a great friend that can guide you whenever you need it.
3. Travel Insurance is Mandatory for certain countries.
In countries like Thailand, Switzerland, it is mandatory for a tourist to carry it along with a visa and other documents when entering the country. If you don’t have one, you shall be allowed to purchase from the local area.
Here is a list of countries where travel insurance is mandatory. Some countries have special requirements along with travel insurance, so be sure to do your homework on where you’re going!
Apart from those countries, it’s best to check up where you’ll need travel insurance. When you travel to certain countries/places, you’ll hear your guide telling to keep your eyes wide open. One reason can be that the place is more theft-prone. If you’re exploring crowded spaces on your tour, it is a great standby.
4. It Provides Medical Support When Needed
You want to travel somewhere but at the same time have a health issue. Be it a serious issue or a minor one, travel insurance can cover for you in case of emergencies.
If you’re visiting a much-developed country/city where expenses for a minor health issue costs two-three folds higher, it has you covered. During life-or-death situations, some travel insurances also offer air ambulance and immediate evacuation. It also assists if some prefer to have their medical needs attended back in their home country.
Keep in mind, travel insurances have a limit on how much they reimburse your expenses as medical assistance isn’t cheap. It’s best to check for your emergency requirements beforehand and further enquire about your travel insurance company and make sure they cover all your fundamental needs.
5. Covers damage to a third-party
Third-party refers to someone you’ve caused damage to – travel insurance covers for your personal responsibility as well. One good example would be of renting a vehicle.
If you cause damage to another vehicle or property with your rented vehicle – be it a car, bike, or scooter, the insurance reimburses the damaged property. Especially if you’re visiting Bali or Malaysia where there are more crowded areas that are accident-prone, getting insurance is a must. There are many other instances where this could happen.
Here’s another article you may like: 7 Days Bali Itinerary
More about Travel Insurances
If you’ve already planned on insuring your trip, remember that this is the first thing you should do before packing your itinerary. It can prove to be the most important part of your travel, thus give it a priority.
Speaking of choosing which can suit you best, lookup about the best insurance available for that place. One company insurance can be of great help in one country and the same might not work in another. Their services might just not be perfect for that location. The duration of your travel also matters while opting.
Some companies offer great deals and excellent customer support for long-duration travels while others are great for a short trip.
For short journeys, to the places you know well and the trips that don’t require flying, having insurance is optional. But for unchartered waters of your travel, travel insurance is a must. All in all, keeping one with you at all times of travel always keeps you in safe hands.
HeyMondo is one such international insurance company that provides great 24 hours of support to all its customers. If you’re looking for insurance, HeyMondo might be the perfect fit for you! With their app, it’s also easy to use. You can find their app on your mobile app store.
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