Travel Insurance – A Must-Have For Worldwide Travellers

Travelling is one activity that every individual must undertake at one time or the other; regardless of what the purpose of travel is, or even whether the travel is local or international. A lot of people actually look forward to travelling to other parts of the world for different reasons and purposes, including although not limited to business, tourism, vacation, pilgrimage, education and for medical attention.

The excitement to travel outside of one’s domain usually comes with a lot of preparations, and more frequently than not, a great deal of resources are usually deployed to ensure that the travel is in fact takes place; and these include acquisition of an international passport, medical tests (where applicable), costly visa processing fees, flight reserving and hotel reservation.

A lot of people will do anything and everything just to actualise their global travel ambition. And to be really candid here, international travel is actually fun and something to look forward to. Travelling, especially international travels, is a form of education for the travellers as they have an opportunity to see new environments, meet new people, and learn how things are done elsewhere.

International travel offers the traveller a lot of opportunities irrespective of their original purpose of travel. For instance , business opportunities, educational opportunities, employment opportunities and even marital opportunities. Unfortunately, however , it really is only these and many other opportunities that these (would-be) travellers see. They appear to be ignorant or care less about risks that are embedded in international travels, so they don’t take any actions towards mitigating such risks.

At this juncture, you may be tempted to request the question: “What are those risks that are associated with international travels? ” Excellent question. Just read on, as most of those risks are discussed in the following paragraphs.

Risks Associated with International Travels

As fascinating, fun, enjoyable, profitable and educative as international travels may be, they also come with their own downsides – the risks – just as every other thing in existence. And very fortunately for travellers, most of these risks can be transferred to professional travel insurance providers, by way of buying a travel insurance : also referred to as “travel health insurance” or even “travel medical insurance”.

These international travel risks are many and varied, and they include, but not limited to:

Sudden illness in the country of destination needing urgent medical attention and/or hospitalization.
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Involvement in an accident leading to bodily injuries, temporary or permanent disability, or death
Loss of checked-in baggage
Loss of valuable products such as international passport, drivers’ licence, national identity card, etc .
Personal liabilities abroad
Emergency dental situations
Arrest by law enforcement firms requiring bail and legal protection
Another question that may be asked with this juncture is: “Do travel insurance policies cover all the above-mentioned risks? inch And the answer is a big YES, and so much more.
Covers and Benefits Given by Major Travel Insurance Policies

Below is really a list of most of the covers and benefits provided by travel insurance policies – based on the providers. So the next time you buy a travel insurance policy, look out for these addresses and benefits.

Medical Expenses plus hospitalization abroad
Emergency Medical Expulsion
Repatriation after treatment
Emergency dental hygiene
Repatriation of family member travelling with the insured
Travel of one Immediate Family Member
Emergency Return Home following Dying of Close Relative
Repatriation of Mortal Remains
Medical Assistance
Legal Help
Pre-Departure Services
International General Assistance
Abroad Information Assistance about lost Luggage and Passport,
Delivery of Medicines
Legal Defence
Advance associated with Bail Bond
Hijacking in means of Public Transport
Loss of Passport, drivers license, national identity card abroad
Compensation for in-flight loss of checked-in baggage
Compensation for delay in the arrival of luggage
Delayed Departure
Location and forwarding of baggage and personal effects.
Accidental Death
Permanent Disability
Personal Civil Liability
Trip Cancellation Expenses
Risks Not Covered By Travel cover Policies
Having talked about the covers and benefits afforded by travel insurance, it is also important to consider the risks which are not covered by most of these policies, because listed below:

Participation in criminal acts, or as a result of his/her fraudulent, significantly negligent or reckless actions which includes those actions of the Insured within a state of derangement or below psychiatric treatment costs for which are usually themselves excluded;
Natural phenomena for example floods, earthquakes, landslides, volcanic lesions, atypical cyclonic storms, falling items from space and aerolites, and general any extraordinary atmospheric, meteorological, seismic or geological phenomenon every other type of natural disaster;
Events as a result of terrorism, mutiny or crowd disturbances;
Events or actions of the Military or Security Forces in peacetime;
Wars, with or without prior declaration, and any conflicts or international surgery using force or duress or even military operations of whatever kind.
Participation in bets, challenges or brawls, save in the case of legitimate protection or necessity;
Pre-existing Illness or even injuries
Participation in competitions, sports, and preparatory or training assessments;
Motor racing or motorcycle race, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, fighting techinques, parachuting, hot air ballooning, free dropping, gliding and, in general, any sports activity or recreational activity that is known to be dangerous;
Participation in competitions or even tournaments organised by sporting federations or similar organisations.
Hazardous winter season and/or summer sports such as snowboarding and/or similar sports.
Work-related incidents
Internationally and locally recognized epidemics.
Illnesses or injuries arising from chronic ailments or from those that been around prior to the inception date of the policy;
Death or injuries as a result of suicide or attempted suicide or any self-inflicted injuries.
Illness, injuries or pathological states caused by the consumption of alcohol, drugs, toxic substances, narcotics or medications acquired without medical prescription, as well as any kind of mental illness or psychological imbalance;
Illness or injuries brought on by pregnancy and childbirth or any problem therefore or voluntary termination associated with pregnancy;
Where to Buy Travel Insurance policies
Travel insurances can be bought online – and there are many travel insurance providers to buy from. All you need to do is find your preferred provider, and complete the online type or questionnaire, and make your own payment, and policy is made accessible to you for immediate printing or sent to your email address.

You can also buy travel insurance offline from a local insurance company or travel agency. whatever method of buy you choose, you can rest assured that you will be completely protected against insurable gravel insurance plan risks.

Using Your Travel Insurance

After you have purchased your travel insurance policy, whether it is self-purchased using the provider’s online portal, at a travel agency or through a nearby insurance company, you should make sure that you do not forget to take the document with you while travelling. This is so important because you may be required to generate that document by relevant body.

You should take particular note of your policy number (if possible duplicate the number somewhere else) as it will be required by the service providers to property identify you when you call all of them for assistance.