6 Benefits of buying travel insurance

We all like to travel and explore various places. We like to take a cruise trip or a flight to go to mountain tops or ocean-sides. But, prior to take the vacation, it is necessary to buy travel insurance for us and our family members, to save us from any inconvenience during our trip.

Types of travel insurance

There are various types of travel insurance. These are:

o Single trip travel insurance
o Multi trip/Annual travel insurance
o Long stay travel insurance
o Cruise travel insurance
o Medical Travel insurance
o Business travel insurance
o Group travel insurance

Advantages of having travel insurance

The 6 advantages of having travel insurance while taking a vacation are:

1) Medical treatment/assistance: While traveling, if you need some emergency medical treatment, your insurance policy will cover the cost. If you need to be transferred to a hospital by an ambulance that cost will also be covered by your insurance company.

2) Hospital facility: If you need to be hospitalized during your trip, the hospital-cost will also be covered by your insurance company.

3) Repatriation: If the situation arises to return you to your home country with a medical professional, after you receive medical treatment, that cost will also be covered by the insurance company.

4) Trip cancellation/delay: If you incur any financial loss due to the delay or cancellation of the trip, you will get monetary refund. Though refund for delay is valid only if starting time of the journey is delayed and not for delay during rest of the trip. If you decide to make your trip short and return home, due to sudden illness or death of any family member or for any such valid reason, you will also get refund.

5) Loss of luggage: You can also buy insurance to cover for any loss or damage of luggage during the trip. You have to specifically mention the valuable and individual items.

6) Personal liability: During your trip if you accidentally injure any other person or his property, you can get coverage for the cost by your insurance policy.

An insurance policy has many types of sections covering different types of events. Prior to buying the travel insurance, you should know all the terms and conditions offered by the company and details of each section.

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