Are you thinking of traveling and don’t know what are the reasons to take out travel insurance?
When we travel, incidents or unforeseen events can occur that are difficult to solve if we do not have adequate resources. Health comes first, especially when we are far from home. For this reason, it is always advisable to have the protection of travel insurance to be covered for any problem that may arise at the destination (or even before starting the trip).
In this day and age, travel insurance has become essential for travel, but knowing which coverages are best suited to each traveler and how they can help us can be somewhat complex. To make it easier, in this article we explain 10 reasons why it is advisable to travel insured.
A travel insurance give you assistance 24h/365 days
One of the main advantages of travel insurance is having the guarantee of receiving quality health care 24 hours a day, 365 days a year. Whether it is a simple cold, gastroenteritis or a broken bone, you will be attended by a team of medical professionals at the nearest medical center or hospital.
Wherever you are, travel insurance offers you protection against any unforeseen event that may occur during your trip, whether you need medical attention, problems with luggage, delays in means of transport, loss of documentation, etc., it is an added peace of mind whether you are traveling alone, with friends or with your family.
A Travel insurance can save you big money
The expenses that may arise in the event of medical emergency can be very high if you do not have an adequate policy for your trip. A simple sprain walking through the streets of Rio de Janeiro, food poisoning in India or an appendicitis operation in Los Angeles (average cost $25,000) can mean a big outlay for your pocket.
To avoid having to deal with these bills, a travel medical assistance insurance offers you the essential medical coverage to be treated abroad 24 hours a day, without having to pay for it. That’s right, in case of emergency, once you contact the 24-hour assistance platform and they coordinate the visit with an approved center, you will not have to pay any expenses at the hospital or outpatient center, as they will be managed directly with the administration of the medical center.
A Travel insurance can reimburseme your reservations if you do not travel
Sometimes plans do not go as planned and, unintentionally, setbacks arise that force you to cancel your trip. In these cases, the travel cancellation insurance allows you to recover the amount of your trip reservations if you are unable to travel for any of the reasons covered by the policy.
The insurance covers the cost of the trip not enjoyed for different reasons:
- Health reasons.
- Work reasons.
- Legal reasons.
- Extraordinary causes.
- For other causes such as theft of documentation or luggage, non-granting of visas for unjustified reasons, among others.
All trip cancellation insurances, as well as the optional trip cancellation guarantees, should include coverage for illness or death of the traveler or a family member due to Coronavirus.
A Travel insurance can cover your repatriation and Early Return
In the event that something really serious happens, such as a serious illness or accident, you will be covered for transportation to and from the hospital and home, and the return of your family members or a companion. Without the protection of travel insurance you would have to deal with the costs of such a transfer, a bill that is best avoided.
Your return expenses will also be covered if a family member is hospitalized or dies, or if there is a serious loss at your home or business premises.
Displacement of a family member or companion.
If you require hospitalization on your trip, the insurance also provides coverage for the travel expenses of a person close to you to keep you company while you are hospitalized.
A Travel insurance can cover your repatriation and Early Return
In the event that something really serious happens, such as a serious illness or accident, you will be covered for transportation to and from the hospital and home, and the return of your family members or a companion. Without the protection of travel insurance you would have to deal with the costs of such a transfer, a bill that is best avoided.
Your return expenses will also be covered if a family member is hospitalized or dies, or if there is a serious loss at your home or business premises.
Displacement of a family member or companion.
If you require hospitalization on your trip, the insurance also provides coverage for the travel expenses of a person close to you to keep you company while you are hospitalized.
A Travel insurance can help you in case of luggage problems
If during your trip theft, damage, loss or delay in the delivery of your luggage (for example, on a flight with a stopover), the travel insurance helps you take the necessary steps and guarantees you compensation up to the limit contracted in the policy.
A (good) travel insurance gives you world wide cover
The good travel insurance guarantees you access to medical assistance under the same conditions as nationals of the country, but it should also be noted that they are “co-payment” systems and do not offer coverage for damage to luggage, transport delays or repatriation. For this reason, the Ministry of Foreign Affairs recommends you to purchase a travel insurance that protects you against any mishap, also against COVID.
A (good) travel insurance gives you world wide cover
The good travel insurance guarantees you access to medical assistance under the same conditions as nationals of the country, but it should also be noted that they are “co-payment” systems and do not offer coverage for damage to luggage, transport delays or repatriation. For this reason, the Ministry of Foreign Affairs recommends you to purchase a travel insurance that protects you against any mishap, also against COVID.
A (good) travel insurance gives you world wide cover
The good travel insurance guarantees you access to medical assistance under the same conditions as nationals of the country, but it should also be noted that they are “co-payment” systems and do not offer coverage for damage to luggage, transport delays or repatriation. For this reason, the Ministry of Foreign Affairs recommends you to purchase a travel insurance that protects you against any mishap, also against COVID.
It is mandatory to have a medical insurance for entry to some countries
Countries such as Cuba, Ecuador, Russia, Belarus, Algeria or Iran (among others) require tourists to have a mandatory travel insurance to enter the country. So if you do not present a valid travel insurance, you will not be allowed to enter the country.
Since the coronavirus pandemic was declared, several countries have added travel insurance as an entry requirement, as is the case of Costa Rica, which requires a minimum coverage of $2,000 for lodging expenses to cover the passenger’s extra expense for medical quarantine.
This is one of the most important reasons to purchase travel insurance because without travel insurance, you won’t get past the airport.
Travel insurance tailors their offer to your need
A Good insurance company allows you to customize your travel insurance to the characteristics of your trip by incorporating additional coverage (trip cancellation to recover the cost invested in case you cannot enjoy your trip; cruise coverage for those cases in which you are going to enjoy a stay on board a cruise ship; computer equipment coverage with which your technological equipment will be covered in case of damage caused by the carrier or in case of theft) or by adjusting the limits of the coverage. Find quickly and easily the travel insurance that best suits your adventure.
A Travel Insurance give you 24h travel assistance app
With the a good travel insurance, you’ll get a free service for customers, you will have a 24h medical chat and free emergency calls in case you need medical assistance, allowing you to manage any incident quickly and easily.
When we are traveling, sometimes mild symptoms may appear, such as gastroenteritis or a common cold, cases in which it is probably not necessary to travel to a medical center and lose a day of travel in the waiting room. **Through the App you will be able to consult your doubts in the medical chat available 24 hours a day and solve minor setbacks, saving you time and money.
