Before you embark on your dream vacation, you should consider investing in the proper type of travel insurance. But therein lies the problem.
With so many types of travel insurance to choose from and so many other options to consider, shopping for insurance before the big trip can seem incredibly daunting. To help make your decision easier, here are the top reasons why you will want to consider travel insurance before embarking on any major travel excursion.
Weather, Lost/Stolen Bags and Medical Emergencies
The number one reason to consider travel insurance is to protect you and your fellow travellers from being effected by hurricanes, lost and stolen bags, delayed bags, evacuations, medical emergencies and anything else that can go wrong while travelling. Whether you are taking a vacation with the family or your trip is strictly business related, most travel insurance companies offer package deals that will keep you protected from the ‘worst case scenario’.
International Health Insurance
If you are travelling abroad, you never know when an accident, an emergency evacuation may affect you or your family. Most travel insurance companies offer international travel health insurance plans strictly for these purposes. These are perfect for anyone travelling outside of their home country and also for those looking to study abroad.
Visiting Remote or Dangerous Locations
If you are preparing for a trip abroad and you know you’re going to encounter some rough terrain or some other dangerous situation, you should consider Medevac plans from your travel insurer. These plans cover emergency medical evacuations and international security evacuations. Sometimes, these plans will even cover trip interruption, lost baggage and others.
Travel Insurance to Protect from Travel Accidents
If you are interested in an AD&D (accidental death and dismemberment) plan and one that contains long-term life insurance benefits, you may want to consider a travel accident policy. These types of plans are ideal for travellers who make frequent trips for pleasure and business alike.
Long-Term Travellers Need Protection Too
If you are a retiree looking to see the world or if you are an academic or business traveller who spends a lot of time abroad, you may want to consider an annual travel insurance plan. These plans will provide you with the same amount of insurance coverage all year long. Talk about convenient!
Specialty Plans for Special Cases
Your travel plans or requirements may not quite fit with the descriptions above, but that’s ok. There are plenty of specialty plans to choose from. For instance, most insurance companies offer corporate kidnap, ransom and extortion coverage, car rental collision and road trip coverage, medical tourism, term life and many more. If you can think of a travel risk, chances are there’s an insurance policy ready to cover it.
And there you have it. By now you should be convinced that anything can go wrong on your trip and it’s always best to be protected against the worst case scenario that can turn any family or business trip into one straight out of a horror movie. Talk to your travel insurance agent and make sure you and your loved ones are protected, no matter where you may be travelling.
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