What if an emergency happens on your next trip? Here’s how travel insurance helps in a travel emergency, no matter where you are.19 November 2010
Whether traveling for business or pleasure, everyone should take the proper precautions to ensure that they have a successful and worry-free trip. When traveling abroad, many different types of emergencies can occur. There is no sure way to prevent accidents, but there are ways to decrease the likelihood of emergencies and plan for the unforeseen. The best way to prepare for emergencies that occur while traveling is to invest in a travel insurance policy.
When traveling in a place that is unfamiliar, travelers may be unaware of their environment, and because of that, they may be more vulnerable. Apart from researching their destinations, travelers should purchase travel insurance for the many benefits it can provide, including: coverage in the event that a flight is delayed or cancelled, baggage is lost or stolen, personal injury, and theft. Travel insurance provides travelers with a safety net, should they find themselves in a sticky situation during their trip. Some travel insurance plans also cover medical evacuation and other costs that can be financially taxing on travelers.
Those who purchase a travel insurance policy before their trip can feel confident that they will be able to travel safely and without worry. Every travel insurance provider offers some form of emergency services to their policyholders, and these emergency services are available 24 hours a day; all policyholders have to do is call their travel insurance provider, and they will provide assistance for any number of situations. Some travel insurance providers also offer multi-lingual service agents to assist travelers in almost any country in the world; they can help you contact local rescue services or medical centers. Such assistance is especially important for those who are traveling to remote locations; it is not easy to get medical care and evacuation services in a remote areas.
Travelers should also be aware of the increased risk of theft while traveling. Tourists are very attractive targets for criminals, because they may carry a large amount of cash with them. If a traveler’s cash, credit cards, and/or passport is stolen, it is very important that the problem be addressed immediately. Without the proper travel documentation, travelers may not be able to board their flight back home, or cross the border into another country. Being without access to your financial assets or accounts is extremely frustrating. If this happens, travelers should call their travel insurance company immediately; a good insurance company has extensive experience in dealing with stranded travelers, and it can provide valuable advice and assistance.
A travel insurance policy may also provide financial compensation if an emergency causes the traveler to lose money. A typical travel insurance plan may cover losses stemming from medical bills, curtailment or cancellation of a flight, loss of personal belongings or baggage, and emergency evacuation. If travelers need coverage for other types of emergencies, additional coverage options are available and can be added to a standard travel insurance plan. Travelers can also increase the levels of coverage provided. For example, if visiting a country that has a high crime rate, travelers may want to purchase an upgrade for loss of cash and belongings coverage.
To make sure that they will get the most efficient emergency services, travelers should purchase their travel policy from one of the leading travel insurance companies. These insurers have the necessary experience and global connections to help their customers get out of all sorts of difficult situations while traveling abroad. They also offer a wider range of emergency services than most smaller insurance companies do.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.