Travel is always on everyone’s minds. We travel for work and we travel for pleasure. If you haven’t planned a trip for this year already, you are probably thinking of when you can plan one. There is one part of travel that few look at when they start out their journey. That is the possibility of something going wrong. Does something always have to go wrong? No it doesn’t! Has something ever happened to you when you’ve travelled? That would depend on how frequently you fly and how lucky you are! Let’s look at why a travel insurance is a must.
YOUR BAGGAGE IS ALL YOU HAVE
Traveling to another country means that you can’t take everything you own with you. You have weight restrictions and hence you have baggage restrictions. That’s why you plan and pack your bags accordingly. Now on your trip, all that you have with you is in those bags. What happens if those bags get lost or delayed or misplaced? It means that you won’t have clothes to wear or any of your stuff with you. It means you will be stranded and will have to buy something immediately. All this comes with a cost but a travel insurance covers this cost. This is one of the reasons why it is important to get one for you and your family before you start out on a trip.
HEALTH IS A FICKLE THING
Yes! Health is a very fickle thing. This means that anything can happen when you are on the go. Medical treatment is expensive wherever you are in the world and you may not always be able to afford it because your usual health plans are null and void outside the country. Health travel insurance on the other hand ensures that you can receive treatment. That is why it is extremely important to check the terms and policies of the travel insurance regarding health. I consider this one of the single most important reasons why a person should consider getting a travel insurance.
CANCELLATION OR DELAY IN FLIGHTS MEANS THAT YOU RECEIVE MONEY
This is one of the perks that a travel insurance brings to the table. Every so often an airline will reschedule your flight, delay it or maybe even cancel it. The reasons behind their decision may range from weather to clearance issues but the reason does not matter. Each travel insurance company differs on the amount of money they reimburse you with so you need to read their clauses before you purchase one.
Another important factor that you need to consider is driving or riding in another country. Many of the travel insurances also provide you coverage in case you have an accident. This coverage can extend to medical benefits, car repairs and the other person’s insurance. It is pretty useful to have because you may have to cough up a lot of money. Sometimes it is money that you may not even have! So ensure that your insurance has an accident coverage in case you plan on driving a vehicle.
TRAVEL INSURANCE DIFFERS WITH AGE AND DISABILITIES
The older you are, the more likely you are to have pre-existing disease conditions like diabetes and hypertension. This means that some insurance companies will ask you to get a doctor to certify that you are fit to fly. Seems like a lot of work and it is very tempting to skip but don’t give into temptation. Remember that since you have pre-existing diseases it also means that you are more likely to fall sick as compared to younger healthier individuals. This makes the need for a travel insurance all the more prominent.
Over the years a lot of people have failed to understand the importance that a travel insurance plays when you are on a trip outside Ireland. A lot of people have lost a lot of money because they tried to save by not buying one. Times are changing and the awareness is growing. More and more people are being educated about the need. Today you will find that more and more travel insurance companies are cropping up around the country. This makes getting a travel insurance so much easier. The competition has also helped reduce the package prices. So don’t hesitate… Search for company that you trust and always get family travel insurance with the best protection available.