Benefits of travel insurance

Benefits of travel insurance

Travel insurance is very important in case unexpected events occurs. What happens if: You need to cancel your trip unexpectedly? Basically, travel insurance is designed to cover unexpected medical emergencies and events such as trip cancellation, your personal effects, lost, stolen or damaged luggage by an airline, and other related losses incurred while traveling.

Most travelers think of travel insurance as the first type – a package plan, which is a comprehensive travel insurance policy that combines a lot of coverage options into a single plan that’s intended to cover all the mishaps and disasters that could occur on a trip. Package plans are the most common type of travel insurance sold, but it’s also the most expensive type of travel insurance – costing between 6 and 8% of a traveler’s total trip cost.

The following travelers need a travel insurance package plan: Travelers who are taking an once-in-a-lifetime trip, such as for a sporting event, an anniversary, a honeymoon, etc. If the trip must be cancelled for some reason, you’ll want to recover your losses.

What to consider: Are you paying for the right coverage or can you upgrade/downgrade as needed to something that you’re more comfortable paying for? When buying the best travel insurance, it tends to be cheaper online and direct through an insurance provider. Travel agents and airlines can get staggeringly large commissions from insurers for selling policies, sometimes up to 50%. Do your research just in case you discover an anomaly.

If you are travelling with your partner and children, consider opting for family travel insurance – and check with your insurer to see if it will cover your children if they travel without you – on a school trip, for example. It is vital you check which countries – including travel within the UK – are covered by your policy, as not all will be included. If you are looking at an annual multi-trip policy, be aware that insurers tend to offer European cover or worldwide cover, with the latter attracting a higher premium in most cases.

Many standard travel insurance policies won’t include high-risk activities, such as scuba diving or skiing. So it might be worth taking out a specialist single-trip policy to cover a particular holiday. If you opt for annual multi-trip travel insurance, check how many days come under your ‘maximum trip duration’. Most insurers will cover individual trips of up to around 31 days. If you are planning on being away for longer, speak to insurers directly or opt for specialist cover.

We’re not superman. I know you’re thinking right now “Ok, I know what it is but do I need it?” The answer is yes. For the simple reason, you aren’t Superman or Wonder Woman and over a decade of travel has taught me that accidents happen. You may be in perfect health right now but can you say 100% you won’t get sick in the jungle of Asia or hurt climbing a mountain in Africa? Can you say no one will steal your stuff in Spain or Italy or that you won’t pop an eardrum diving in Tahiti? Can you say your flights won’t ever get delayed or canceled? No, you can’t. And that’s why smart travelers get insurance. Because, for just a couple dollars a day (depending on how long your policy is for), you’re going to get all those things covered. I hope nothing bad happens to you on the road but, if it does, insurance will cover it all. It’s more than just health coverage. It’s “something bad happened to me” coverage. It’s all-inclusive and there for you.

          -คุ้มครองทุกการเดินทางทุกประเภทการเดินทาง ไม่ว่าจะเป็นการเดินทางด้วยรถยนต์ส่วนตัวหรือรถโดยสารสาธารณะ รวมทั้งในเรื่องระยะทางการเดินทาง ไม่ว่าจะใกล้หรือใกลแค่ไหนก็คุ้มครองชนิดที่เรียกว่าครอบคลุมเลยทีเดียว

-คุ้มครองทุกอุบัติเหตุที่เกี่ยวข้องกับการเดินทาง ไม่ว่าจะเกิดจากปัจจัยภายนอกที่อาจเกิดจากสิ่งแวดล้อม เช่นน้ำท่วม ไฟไหม้ พายุฯลฯ หรือปัจจัยภายในที่เกี่ยวกับยานพาหนะที่คุณกำลังเดินทาง ซึ่งคุณสามารถซื้อประกันอุบัติเหตุเพิ่มเติมได้หากต้องการให้คุ้มครองส่วนอื่นๆเพิ่มเติม ตามแผนประกันนั้นๆ

-ซื้อง่าย สะดวกสบายและเนื่องจากเป็นประกันการเดินทางโดยเฉพาะ จึงมีระยะเวลาสั้นทั้งการจ่ายเบี้ยประกันและการคุ้มครอง จึงถือว่าจ่ายเร็วและปิดจบเร็วกว่าประกันอุบัติเหตุแบบอื่นๆ

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