Traveling is an activity that everyone has to take at one time or another; it doesn't matter what the purpose of the trip is or whether the trip is local or international. Many people actually expect to travel to other parts of the world for a variety of reasons and purposes, including but not limited to business, tourism, vacations, pilgrimages, education and medical care.
The euphoria of traveling outside of one domain usually comes with a lot of preparation, and more often than not, many resources are used to ensure that the journey actually takes place; these include the acquisition of an international passport, medical tests (where applicable), expensive visa processing fees, flight reservations and hotel reservations.
Many people will do anything and everything just to update their international travel ambition. And to be very honest here, international travel is actually fun and something to look forward to. Travel, especially international travel, is a form of training for travelers as they have the opportunity to see a new environment, meet new people and learn how to do things elsewhere.
International travel provides the traveler with many options, regardless of their original travel destination. These include business opportunities, education opportunities, employment opportunities and even spousal opportunities. Unfortunately, these (former) passengers only see these and many other options. They appear to be ignorant or care less about the risks inherent in international travel, so they take no steps to mitigate such risks.
At this point, you may be tempted to ask the question, "What are the risks associated with international travel?" Very good question. Just read on as most of these risks are discussed in the following paragraphs.
Risks associated with international travel
As interesting, entertaining, enjoyable, profitable and educational as international travel can be, they also come with their own disadvantages – the risks – just like anything else in life. And fortunately for travelers, most of these risks can be passed on to professional travel insurance providers by purchasing travel insurance – also called "travel health insurance" or "travel health insurance".
These international travel risks are many and varied and include, but are not limited to:
- Sudden illness in the country of destination requiring urgent medical attention and / or hospitalization.
- Participation in an accident leading to bodily injury, temporary or permanent disability or death
- Loss of checked baggage
- Loss of valuable items like international passport, drivers & # 39; license, national ID card, etc.
- Personal obligations abroad
- Emergency dental cases
- Arrest by law enforcement agencies requiring bail and legal protection
Another question that can be asked at this stage is: "Do insurance policies cover all of the above risks?" And the answer is a big YES and so much more.
Coverage and benefits provided by basic travel insurance policies
Below is a list of most coverage and benefits provided by travel insurance policies, depending on the providers. So the next time you buy a travel insurance policy, look out for these coverage and benefits.
- Medical expenses and hospitalization abroad
- Emergency medical evacuation
- Repatriation after treatment
- Emergency dental care
- Repatriation of a family member traveling with the insured
- Travel to an immediate family member
- Return home immediately after the death of close relatives
- Repatriation of mortal remains
- Medical assistance
- Legal assistance
- Pre-departure services
- International mutual assistance
- Information assistance abroad for lost luggage and passports,
- Delivery of medicines
- Legal protection
- Warranty advance
- Public transport abduction
- Loss of passport, driver's license, national ID card abroad
- Compensation for loss in flight of checked baggage
- Compensation for delaying the arrival of luggage
- Delayed departure
- Location and shipment of luggage and personal effects.
- Accidental death
- Permanent disability
- Personal civil liability
- Travel cancellation costs
Risks not covered by travel insurance policies
Having discussed the coverage and benefits offered by travel insurance, it is also important to consider the risks that are not covered by most of these policies listed below:
- Participation in criminal acts or as a result of his fraudulent, seriously negligent or reckless acts, including those actions of the Insured in the state of violation or at the expense of psychiatric treatment for which they are excluded;
- Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclone storms, falling objects from space and airplanes and generally any extraordinary atmospheric, meteorological, seismic or geological phenomenon, any other kind of natural disasters;
- Events resulting from terrorism, riots or disturbances in the crowd;
- Events or actions of the Armed Forces or Peacekeeping Forces;
- Wars, with or without prior declaration and any conflict or international intervention using force or coercion or military operations of any kind.
- Participation in bets, challenges or quarrels, except in cases of legal protection or necessity;
- Prior illness or injury
- Participation in competitions, sports and preparatory or training tests;
- Motorcycle or motorcycle racing, horseback riding, climbing, sweating, boxing, wrestling in any of its modes, martial arts, parachuting, hot air balloons, free fall, ice skating and in general any sport or leisure activity that is known to be dangerous;
- Participation in competitions or tournaments organized by sports federations or similar organizations.
- Dangerous winter and / or summer sports such as skiing and / or similar sports.
- Accidents at work
- Internationally and locally recognized epidemics.
- Diseases or injuries arising from chronic illnesses or those which existed before the date of commencement of the policy;
- Death or injuries resulting from suicide or attempted suicide or any self-inflicted injury.
- Disease, injury or pathological condition caused by the consumption of alcohol, drugs, toxic substances, drugs or medicines obtained without a prescription, as well as any mental illness or mental imbalance;
- Sickness or injury caused by pregnancy and childbirth or by any complication or voluntary termination of pregnancy;
Where to buy travel insurance
Travel insurance can be purchased online – and there are many travel insurance providers to buy from. All you have to do is find your preferred provider and fill out the online form or questionnaire and make your payment, and your policies are provided for immediate printing or sent to your email address.
You can also buy travel insurance offline from a local insurance company or travel agency. Whatever method of purchase you choose, you can rest assured that you will be fully protected against the insurance risks of gravel.
Use of your travel insurance
Once you have purchased your insurance policy, whether purchased independently through the provider's online portal, at a travel agency or through a local insurance company, you should make sure that you do not forget to take your document with you while traveling. This is so important because you may need to submit this document to the appropriate authorities.
You should pay special attention to your policy number (if possible to copy the number elsewhere) as this will be required by service providers to identify you when you call them for assistance.
Another thing to look out for in your insurance certificate or policy document is the helpline's phone numbers that you need to call when you need help. These numbers are always noticeably written in your travel insurance document – so take that into consideration.
You should strive to read as much of the document as possible to understand the policy covers, terms and conditions, and exceptions. And very importantly, when making a claim on your policy, be honest and avoid any form of fraudulent practices.
Summary and conclusion
There are other benefits that travel insurance policies provide that cannot be fully discussed here. But by reading the few benefits discussed above, you will agree that travel insurance is indeed a prerequisite for a successful trip. So the next time you plan to travel internationally, make purchasing travel insurance a top priority. It is quite affordable and anyone can buy it. The peace of mind and the protection it will provide are enormous.