In order to get rid of the fatigue and not be stressful due to the daily routine, everyone needs recreation. Not just watching, sightseeing or culinary tours only, many people choose to travel to various places that want to visit. Traveling is fun. In addition to beneficial to refresh the soul, traveling often useful to add insight around local wisdom, language, culture, religion and of course to blend with nature.
In fact, travel insurance is useful to provide protection for you who travel. As is known, travel insurance will bear the risk that may occur when you’re traveling-be it travel in the country and abroad. Any unforeseen things can happen when anyone travels, such as illness, accident and death.
There are even travel insurance that compensate for delayed flight schedules / delays, baggage delays, loss of goods either due to theft on the plane or other causes that could have caused death and also loss of documents.
However, please note that travel insurance does not bear the losses associated with terrorism cases, drug use, AIDS diseases and political unrest.
As known, developed countries in Europe require foreign tourists to have travel insurance before traveling. This contrasts with the fact that most Indonesian tourists still do not have much. Most likely, this is because the domestic traveler is often constrained by the cost of insurance.
How to Sign Up for Travel Insurance
1. How Long Do You Go?
You will get protection from travel insurance as of the date specified in the insurance policy. Therefore, start the journey on time. Not earlier, nor slower. Adjust your travel time by the date indicated and agreed upon in the travel insurance policy.
If you travel only once a year, you can insure the trip alone. Choose a yearly travel insurance coverage if you plan to travel to several places at once in one year.
2. Adjust to Needs
Do you go alone or do it with your spouse, friends and family? Or maybe with a co-worker because this is a business trip? For those of you who want to travel with many people, choose travel insurance products with low premiums. Thus, the budget issued can be more economical.
For the record, if you already have health insurance, then do not buy travel insurance products whose coverage covers healthcare costs. Buy products that bear the loss of goods, accidents, plane delay and so forth.
To note, foreign insurance companies generally put a premium price is more expensive than local insurance companies. However, overseas insurance companies are more willing to assume risks with wider coverage. In addition, the facilities offered will be more complete.
3. Your Destination
Some travel insurance products have a very wide coverage. Thus, you need to explain to the insurer about which location you are headed. This needs to be done to keep you from paying for locations you do not visit.
4. Always Compare with Other Products
Read it in detail and see what benefits you will get with the purchase. You’ll also want to compare it with other products if you’re not entirely sure. If necessary, ask for help on travel agents.
Avoid buying travel insurance at transport service companies like for example in airlines. The reason is, your travel insurance may be neglected if the company concerned folded out.
5. Investigate Background of Insurance Company
For the sake of the smoothness of things, you will want to choose an insurance company that is definitely proven good in the history of insurance claims system.