Travel insurance – a must-have for international travelers

Travel is one activity that everyone must do at one time or another; it does not matter the purpose of travel, or whether it is traveling locally or internationally. Many people are actually looking to travel to other parts of the world for various reasons and purposes, including but not limited to business, tourism, holidays, Hajj, education and medical care.

The euphoria usually comes out of travel with a lot of preparations, and quite often a large amount of resources are deployed to ensure that the travel has already taken place; this includes obtaining an international passport, medical checks (when required), and expensive visa processing fees , Flight reservations and hotel reservations.

Many people will do anything and everything just to fulfill their ambition for international travel. To be very honest here, international travel is really fun and something to look forward to. Traveling, especially international trips, is a form of education for travelers because they have an opportunity to see new environments, meet new people, and know how things are going elsewhere.

International travel provides the traveler with many opportunities regardless of the original purpose of travel. These include business opportunities, educational opportunities, employment opportunities, and even marital opportunities. Unfortunately, these are just a few and many other opportunities that these (potential) travelers see. They seem ignorant or less concerned with the risks involved in international flights, so they are not taking any steps towards mitigating these risks.

At this point, you might be tempted to ask the following question: "What are those risks associated with international travel?" Very good question, just read, as most of these risks are discussed in the following paragraphs.

International travel risks

As interesting, fun, enjoyable, profitable and educational as international flights, they also come with their own downsides – like risks – just like anything else in life. Fortunately for travelers, most of these risks can be transferred to professional travel insurance providers, by purchasing travel insurance – also referred to as "travel health insurance" or "travel medical insurance".

The risks of international travel are many and varied, and they include, but are not limited to:

  • Sudden illness in the country of destination requiring urgent medical attention and / or hospitalization.

  • Getting involved in an accident leads to bodily injury, temporary or permanent disability, or death

  • Loss of checked baggage

  • Losing valuable items like international passport, driver's license, national ID card, etc.

  • Personal responsibilities abroad

  • Dental emergencies

  • abduction

  • Arrested by law enforcement agencies that require bail and legal defense

Another question that can be asked at this stage is: "Do travel insurance policies cover all the above risks?" The answer is great yes, and much more.

The covers and features offered by major travel insurance policies

Below is a list of most of the covers and benefits that travel insurance policies offer – depending on the service provider. So the next time you buy a travel insurance policy, look for these covers and benefits.

  • Medical expenses and treatment abroad

  • Emergency medical evacuation

  • Return home after treatment

  • Emergency dental care

  • Return family members traveling with the insured

  • Travel of a immediate family member

  • Emergency repatriation after the death of a relative

  • Repatriation of mortal remains

  • Medical assistance

  • legal aid

  • Pre-departure services

  • International Public Assistance

  • Overseas assistance for information about lost baggage and passport,

  • Delivery of medicines

  • Legal defense

  • Pay bond bond

  • Hijacking public transportation

  • Losing a passport, driver’s license, or national ID card abroad

  • Compensation for lost luggage while traveling

  • Compensation for delay in baggage arrival

  • Delayed departure

  • Location and transport of luggage and personal effects.

  • Fatal accident

  • Permanent disability

  • Personal civil responsibility

  • Flight cancellation fees

Risks not covered by travel insurance policies

After talking about the covers and benefits that travel insurance provides, it is also important to consider the risks that most of these policies do not cover, as shown below:

  • Participation in criminal acts or as a result of fraudulent or dangerous or reckless neglect, including the actions of the insured in the event of confusion or under the costs of psychiatric treatment excluded on his own;

  • Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, abnormal cyclonic storms, objects falling from space and aerosols and in general any unusual weather, meteorological, seismic or geological phenomenon, any other type of natural disaster;

  • Events arising from terrorism, rebellion, or mass unrest;

  • Events or actions of the armed forces or security forces in peacetime;

  • Wars, with or without prior declaration, and any international conflicts or interventions that use force, coercion, or military operations of any kind.

  • Participation in bets, challenges or quarrels, except in the case of legal defense or necessity;

  • Previous illness or injuries

  • Participation in competitions, sports, and preparatory or training tests;

  • Car racing or motorbike racing, horse riding, climbing, utensil lessons, boxing, wrestling in any of their positions, martial arts, parasols, hot air inflation, free fall, paragliding, and in general, any known sporting or recreational activity Be Seriously;

  • Participation in competitions or tournaments organized by sports federations or similar organizations.

  • Dangerous and / or summer winter sports such as skiing and / or similar sports.

  • Work-related accidents

  • International and locally recognized epidemics.

  • Diseases or injuries caused by chronic diseases or those that existed before the date the policy began;

  • Death or injuries as a result of suicide, attempted suicide, or any personal injury.

  • Illness, injuries, or illnesses caused by consumption of alcohol, drugs, toxic substances, drugs, or over-the-counter medications, as well as any kind of mental illness or mental imbalance;

  • Illness, injuries due to pregnancy and childbirth, or any complications therefrom, or voluntary termination of pregnancy;

Where to buy travel insurance

Travel insurance can be purchased online – and there are many travel insurance providers who can purchase from. All you need to do is locate your preferred provider, complete the online form or questionnaire, make your payment, and the policy is provided for you for immediate printing or sent to your email address.

You can also buy travel insurance offline from a local insurance company or travel agency. No matter which method of purchase you choose, you can rest assured that you will be fully protected from the risks of gravel insurance.

Using your travel insurance

After you purchase your travel insurance policy, whether purchased yourself using the portal of the online service provider, at a travel agency or through a local insurance company, you must ensure that you do not forget to take the document with you while traveling. This is extremely important because you may be required to issue this document by the relevant bodies.

You should take note of your policy number (if possible, copy the number elsewhere) as service providers will be asked to identify you when you contact them for assistance.

Another thing that you should take note of with your insurance certificate or travel document is the assistance company phone numbers that you need to call when you need help. These numbers are always clearly written in your travel insurance document – so note them.

You should try to read as much of the document as possible to understand the covers provided, policy terms and conditions as well as their exclusions. Most importantly, when making a claim about your policy, be honest and avoid all forms of fraudulent practices.

Summary and conclusion

There are other benefits provided by travel insurance policies that cannot be thoroughly discussed here. But after reading the few benefits discussed above, you agree that travel insurance is a must for a successful trip. So the next time you plan to travel internationally, make purchasing travel insurance a top priority. It is very affordable and anyone can buy it. The peace of mind and protection that you will provide is immense.

Source by Anthony Ekanem