There is nothing like heading off the beaten path when you travel, but lets be honest for a moment, some of greatest places in the world are not in the best neighbourhoods. This is no reason to cancel your plans and abandon your trip. Aside from being careful and taking a few extra precautions, travel insurance is a must. Here are a few reasons why packing your policy is as important as packing your passport.
1 – Theft
Pickpockets and bag snatchers are common where ever large crowds gather and tourist hotspots are no exception. Getting your bag nicked or your wallet stolen while you are at home is a big enough inconvenience but when you are in the middle of nowhere, the inconvenience and expense increases dramatically. Even a budget travel insurance policy will cover your expenses if you lose your personal belongings or if they are damaged.
2 – Accidents
Accidents happen no matter where you are or what you are up to. Personal liability clauses in insurance policies protect you from the financial consequences if a liability claim is lodged against you. If this seems highly unnecessary to you, have you considered what might happen to you if you have an accident in a rental car? Accidents like this are common when you are in strange culture in a new place and insurance will give you peace of mind for those ‘just in case’ events.
3 – Illness
It’s more or less guaranteed that as you travel will you get sick. Your body is not accustomed to the bacteria and viruses to which locals have built up a resistance. Medical bills, including hospitalisation or emergency dental work, can be astronomically expensive and having an insurance policy is a must in this case.
4 – Cancellations
Flights get cancelled. So do buses and trains. Travel arrangements come undone from time to time and travel insurance is a good way to protect your self from any financial repercussions. Similarly, if you are faced with an extended delay you will be eligible for help to cover hotel and food bills. Travel insurance will also cover the costs if you have to cut your trip short for a family emergency.
5 – Medical Repatriation and Support
One of the great advantages of travel insurance is 24-hour telephone support during emergencies. This service can offer medical and legal advice, help you with lost documents or baggage and get a message to your family in a crisis. Furthermore, they can arrange to get you home if you fall seriously ill or are injured. Medical repatriation can cost tens of thousands of dollars so travel insurance is a must if you heading off the beaten path.
While it’s unlikely that you will need to be flown home with a nurse at your side you may very well become ill or have a flight cancelled. Travel insurance cannot prevent bad luck from disrupting your travels, but it can help you get back on track. Safe Travels!
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