What is the importance of buying travel insurance? Just imagine when you’re traveling, suddenly there are things that do not want to happen. Such as airplane delay to flight delays, left luggage up to baggage loss, and more. Of course such events will make your trip becomes uncomfortable, can even damage your mood while traveling. On this occasion, we will discuss the importance of buying travel insurance when you are traveling.
Many people are not aware of the importance of travel insurance when traveling. In fact, it is not possible there is a risk that can happen, which causes us to lose financially while we are on the way.
Broadly speaking its function is not much different from the usual insurance function. Travel insurance is an insurance that covers the risks that can cause financial losses that occur beyond our will when we are traveling. It is not so much introduced in Indonesia, but already many insurance companies that provide travel insurance.
Usually we will only buy insurance offered by airlines, or sometimes we refuse it. Sometimes we reject it because we do not know about what benefits can be given by insurance so that we do not feel any benefit to increase the cost. In general there are several travel insurance benefits that you can use.
The Importance of Travel Insurance
With the travel insurance, at least your vacation will be more secure and comfortable from some of the risks mentioned above. However, before you buy, you’ll want to make sure of the following:
1. Benefits and the amount of Protection Provided by Travel Insurance
As a customer, you need to know in detail what your travel insurance covers. Because there are many insurance packages that are usually offered. You may also not take all the insurance benefits if you already have previous personal insurance.
For example, if you already have life insurance and health insurance covering your own medical expenses during travel, then you only need travel protection, so you can save the cost you spend on insurance premiums. But if you do not have a personal insurance before, of course you should ensure the benefits of emergency costs in your insurance.
2. Travel Protection Time of Travel Protection You Take
Ideally you should choose according to the length of time you travel, because usually it will only bear the risks that occur when you are on the way. But if in the next year you and your family have planned on vacation for several times, it will be more efficient if you buy insurance for 1 year than you buy for 1 trip.
3. Insured Health Conditions
Understand that every insured has a history of illness and generally insurance companies do not bear the health conditions that have been there before. You should be honest. Although it seems beneficial if we hide the health conditions that have been experienced before, but when there is a claim, you may be rejected.
Insurance companies will usually ask for details of medical history and conduct investigations that may result in claims being denied, if caught you lying. To avoid this it is highly recommended to disclose all health details at the earliest time you want to take out insurance, so your claim case will not be denied.
Travel Insurance Helps Alleviate Financial Loss Risk
By ensuring it, you do not have to worry about the risk of financial loss that can happen, because your insurance will help alleviate financial losses that can occur due to unwanted risks. That’s why you have travel insurance.