Why Take Out Travel Insurance?
Travel insurance may seem like an unnecessary expense. After all, we often have some basic cover through paying for our holiday by credit card, and a quiet two weeks is hardly going to result in an insurance claim, is it?
Take a look at the potential problems that could result in a ruined trip, a nightmare holiday, and future debt. Then think again about that essential travel insurance cover. It could be the most important purchase a holidaymaker could make.
Flight Delays or Cancellations
The big day has arrived and the holiday begins. However, the flights have been cancelled and the only option is to purchase alternative flights to reach your destination. This will mean a rather large credit card bill you can ill-afford. With travel insurance, your insurance provider will cover the cost of these alternative flights.
Heading for home? What if your flights are delayed, leaving you stranded in an airport with nowhere to sleep? The cost of accommodation is covered by travel insurance if the delays are over a certain amount of time, meaning you do not have to spend the night in an uncomfortable airport seat.
The most important purchase any backpacker will make is a good holiday insurance policy. Never skimp on insurance as it can act as a guardian angel in times of need. Find a trustworthy company, such as DUInsure, who will listen to your plans and suggest suitable cover for your travel plans and activities. They will leave out anything that does not apply to your trip and suggest additions like cover for extended stay or adventure activities, as well as giving you an emergency contact number.
Theft and Loss
Getting to your destination and finding that your baggage has gone astray can be annoying and upsetting. And of course, there are the costs of replacing clothing, footwear and toiletries as well as any personal or valuable items. The cost of replacing your belongings should this happen is part of the protective cover provided by your travel insurance policy.
Cover is also provided for loss of plane tickets, important documentation such as passports, and valuables including cash and travellers cheques. Taking the simple precaution of photocopying all relevant documentation and leaving a set with friends or family as well as carrying your own will ensure that your claim will be made quickly and efficiently.
None of us can guarantee good health all of the time. A nasty bout of ‘Delhi belly’ could put you out of action for days abroad and result in a trip to a doctor or hospital. A simple fall could turn into a disaster if you break a bone or sprain an ankle or wrist, making medical treatment imperative.
Why take the risk of being abroad and having to pay large medical bills when your travel insurance will cover these unexpected incidences? Your travel insurance will even cover the cost of getting you home early if required.