Travel Insurance is special insurance designed to cover almost all emergencies that may occur when traveling either locally or abroad.
You can usually obtain Travel Insurance when you book your trip and can choose either single or multi-trip Insurance. Single trip Insurance covers one trip for the entire duration of that trip. Multi-Trip Insurance covers all the trips you undertake within a certain specified period of time.
Insurance Coverage for Travelers
The most common risks that are covered by insurance include:
- Accident: Accidental death, injury or disablement
- Baggage: Lost, stolen or damaged baggage and personal or travel documents
- Delayed Baggage: Emergency replacement of essential items needed
- Emergency Evacuation: Immediate removal from hazard or danger
- Flight Connection Missed: Due to Airline Schedule
- Funeral: Overseas expenses
- Health: Visitor Health Insurance
- Medical: Emergency due to accident or illness
- Repatriation: Remains of deceased
- Return: Return of a Minor
- Travel Delay: Due to bad weather
- Trip: Cancellation or Interruption
Travel Insurance: Optional Coverage
If you need additional Insurance coverage when traveling, ensure that your Insurance Provider offers that particular type of Optional Travel Insurance cover.
Optional Travel Insurance Options include:
- Sports: Element of risk, e.g. scuba diving and skiing
- High Risk Countries: If you travel to countries that have a high risk regarding war, terrorism and natural disasters
- Pre-existing Conditions: Diabetes, Asthma and more
- Additional AD&D: Accidental Death & Dismemberment Coverage
- Insolvency of 3rd Party Supplier: Hotel or airline went into administration
- Acute onset of Pre-existing Conditions: Acute onset of medical condition
It is vital that all travelers take out decent Insurance before embarking on their trip, whether local or abroad. The additional cost of Insurance may well save you a great deal of money and hassles when something unforeseen and unfortunate happens.