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Planning for Overseas Holidays – What About Travel Insurance?


Nothing can make you feel more excited than a foreign trip. Visiting another country is something we all look forward to. Some people travel to other countries for leisure and enjoyment, while some do it for business reasons. Planning for overseas holidays is always filled with loads of excitement. But, in this high dose of excitement, we often forget one of the most crucial things, i.e. travel insurance.

Why is it so important to buy a travel insurance policy before going on a foreign trip? Well, there are various reasons behind. Like we know, life has an unpredictable nature. If anything had happens while you are in your hometown, you can easily get a lot of help from your loved ones. But, when you are in another country, things are quite different. You don’t know anyone personally. Plus, you cannot arrange funds on an emergency basis for reasons like medical treatment, emergency evacuation, etc. This is where a travel insurance policy can prove to be extremely useful. If you are still not convinced, take a look at the reasons below.

Why one should buy travel insurance plans?

Trip cancellation– Considering the unpredictable nature of life, we should always prepare ourselves for the worst. When we plan an overseas holiday, we usually book the air tickets and accommodation at least a month ago. After all, we all want to grab the best deals. No doubt, international air tickets are quite expensive; so are the hotels. So, what would you do is anything bad happens a couple of days before the date of journey? What would you if you are required to cancel your plan?

In such cases, you would end up losing a lot of money in the form of air ticket and hotel room cancellation fees. But, if your travel plan was protected by an insurance policy, in that case you do not have to bear the loss. The cancellation fees will be covered by your travel insurance policy. So, it is definitely a great reason to buy a travel insurance policy.

Missed your flight– Even after a lot of planning, sometimes people end up missing their flights. There could be a number of reasons behind it. Traffic jam, unwanted incidents at home, bad weather, and sudden sickness are some of the reasons that lead to such a situation. Missing a flight can prove to be more problematic if you are already in the middle of your trip. In such situations, booking an air ticket in the next flight can turn out to be quite an expensive affair. Not to forget that you are already in loss, because of the flight you have missed.

So, if you want to save yourself from such kind of situation then having a travel insurance policy is absolutely essential. If you have one, you will not have to pay from your pocket for the next flight ticket. If there is no flight in the next 24 hours, your insurance policy might also cover your accommodation expenses. So, all you have to do is get a comfortable hotel room for yourself till your next flight.

Bad weather conditions- You are all set to head towards your destination; and the flight to your destination is just after a couple of days. But, things take a different turn as you get to know that the weather at your destination is really bad. Hurricanes, earthquake, flood, etc. are some of the reasons which might force you to cancel your trip. No doubt, your first concern would be to get as much as refund on your air ticket and hotel room cancellations. Unfortunately, the cancellation fees associated with the international air tickets can be very high. So, if you do not want to suffer a big loss then you should definitely buy a travel insurance policy at the time of booking your air tickets and hotel rooms.  

Sickness or physical injury- Falling sick right before a trip or even in the middle of it can be very problematic. It can disrupt your entire schedule and the itinerary too. In such situations, you either have to cancel your travelling plans or go ahead with it. During the trip, if your health condition gets worse and you need urgent medical attention, in such cases having a travel insurance policy can make things easier for you. When you have the advantage of a policy, you do not have to worry about the medical expenses, even when you are in some other country.

Likewise, if you get physically injured during a trip, your travel insurance policy will bear all the expenses of your treatment. Hence, buying a travel insurance policy is a great way to have a solid backup plan if anything goes wrong. In addition to them, there are a number of reasons which add up to the benefits of purchasing a travel health insurance plan.