A holiday abroad is a time of great fun and it seems a shame to think about the things that could go wrong, but just because you are in another country there is no reason to assume that you are less likely to be in The trouble comes with one of the dangers of everyday life. Theft, loss, and medical emergencies can hit you at least as often during your vacation, and the experience will be even more traumatic if you’re not covered and have to bear the full burden of any financial losses. Rather than seeing travel insurance as an unwelcome expense, remember that you’re paying for the peace of mind that allows you to relax and enjoy your holiday, without having to worry about how to handle it if something goes wrong. goes wrong. Travel insurance is an essential part of any holiday abroad, whether you are a fit young backpacker, an elderly traveler joining a group tour or a young family holidaying at a resort.
If you’re still not convinced, check out these reasons why you might need travel insurance.
1) Medical
Australian government statistics tell us that Australian consulates deal with 900 deaths and 1200 cases of foreign travelers being hospitalized each year. Hospitals in Southeast Asia can cost up to $1000 per day and if the traveler does not have insurance coverage, they are likely to be fully responsible for the cost. The same government statistics point to about 50 medical evacuations per year. When you consider that you may have to pay $100,000 to be evacuated from the US, you understand the importance of being insured.
2) Loss
Things get lost when you travel. Luggage gets lost in airports and wallets get stolen when you’re sightseeing in unfamiliar cities where you’re not as streetwise as you are at home. However, as long as you have insurance, you don’t have to be paranoid. Losing your property is always frustrating, but having insurance is the difference between a temporary inconvenience and a costly disaster that can ruin your entire vacation.
3) Flight Cancellation
Flight cancellations are quite common and extremely stressful. You can hang out in an airport for hours at the very least. If you have connecting flights or transfers, the domino effect can be much worse – and very expensive. Even if you don’t, you may suddenly need to arrange extra accommodation at the last minute, or miss out on one or more already paid nights at your destination. Take out basic travel insurance and you are covered for all these problems.
4) Acts of nature
If you find yourself stranded abroad due to a natural disaster such as a hurricane or typhoon, you may be covered by your insurance. If you are going to an area with a high risk of such phenomena it is a good idea to make this a priority when choosing your policy as it is not always covered.
5) Personal Circumstances
Unforeseen circumstances in your private life may mean that you have to cut short your trip or even postpone it altogether. You never know when you might get sick or have a family ruin. With travel insurance you can recover part of the costs of your delayed or shortened holiday.
Far from being a necessary evil, travel insurance is a safety net to ensure you don’t run out of money unnecessarily as a result of your holiday abroad. It doesn’t have to be expensive either. There are plenty of cheap travel insurance policies available, so there’s no reason to ever leave without one.
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