Why you must have Travel Insurance?

travel-insuranceTravelling without travel insurance is the most unwise thing to do. Should there be any eventuality whilst you are on a business trip or a vacation, there is nothing to fall back and you have to bear all financial loses by yourself. That is if you are lucky and be able to raise the financial needs at the time of emergency otherwise some may even have to face more devastating or fatal consequences.

What if an accident occurred?
This is even more important if you are planning for an adventurous holiday that involve in any kind of sports or a tour to less developed country where insurance for public transport is not strictly imposed by their local authority. In case of any accident, there is no insurance coverage to the vehicle and passengers.
What if you fall ill during the journey?
Even if you are in good health condition; there is still a possibility that you can fall ill during the journey. In this case, you can either depend on public health services or pay a huge deposit with private hospital to be able to access to medical treatment. A travel insurance which provides world wide and twenty four hours coverage will be of great help to you.

Important tips when take up a travel insurance?

•    Price should not the only criteria to consider. You should also look at the overall coverage provided.
•    To be clear of what coverage you are getting; make sure you know the sum insured for the your Personal Accident, your medical expenses coverage, is there a hospital income, what compensation you will get in case of loss travel documents, luggage delay, travel delay and a Third party liability cover.
•    To be clear of what to do in the case of emergency: some travel insurance do provide free International SOS services, free 24-hours phone access to worldwide network.
•    To confirm it also cover mountain climbing, scuba diving & winter sport. Check out the exclusion also.
•    Understand the claim procedure.

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