Do you want to buy travel insurance? What are you looking for?
Maybe you’ve heard of other people’s bad experiences about their trip. Loss of baggage, flight delays, and accidents while abroad are not uncommon.
Or even you yourself have experienced it? Therefore, quite a lot of people who like to travel buy travel insurance. If you also want to buy travel insurance, this article will help add your insight.
Things to Do When Wanting to Buy Travel Protection
Usually to eliminate travel worries, many people buy insurance for every trip or buy annual travel insurance for multiple trips at once. This is a good move, but does the travel insurance policy have the right protection for all situations?
1. Learn Travel Insurance Policy Before Purchasing
Most of us like to ignore the details of travel insurance policies, especially when one day before the trip abroad.
The key is to learn clearly all the details of the policy and take the time to read it will be of great use to you. Why? Because if an event or problem is not stated in the travel insurance policy, then do not expect you to get a guarantee if it happens.
2. Choose Travel Insurance Guarantee That Meets The Needs
Not all travel insurance policies are the same. From basic package options to premium packages, you may see different levels of travel insurance packages when considering purchase. However, what exactly is the difference between the packages, in addition to good prices and company names?
Here are some types of guarantees included in the travel insurance package:
Insurance Cancellation and Dismissal of Travel
This is the main reason behind most people buying travel insurance, ie to indemnify travel expenses that can not be refunded if your trip is canceled or delayed long enough due to illness, natural disaster, and so forth. Warranties in them vary depending on the insurance company, as well as the travel insurance you purchase in particular.
Baggage Insurance and Personal Goods
Since your baggage has entered the check-in desk at the airport from exit through the conveyor at the destination airport, minor or major damage can occur more often than you think. If your luggage is stolen or damaged, travel insurance can usually compensate up to US $ 500 for each lost baggage. Between US $ 100 to US $ 300 for baggage delays. Even the most basic travel insurance options will guarantee this problem.
This is probably the second reason that people travel by buying travel insurance, which is a guarantee in case of an accident. This reason is the same as those who use daily health insurance. The range of guarantees is often very diverse, so be sure to review the details of the insurance policy.
Accidental Death Insurance
This type of insurance usually provides compensation in different amounts depending on the situation. For example, if the insured dies on the way or has an accident that causes a disability, such as loss of vision, or so forth. The range of guarantees is often very diverse and may also be similar to individual life insurance planning, depending on the insurance company that sells it.