Traveling is one activity that each individual must pursue at one time or another; it doesn't matter what the purpose of the trip is, or whether the travels are local or international. Indeed, many people look forward to traveling to other parts of the world for a variety of reasons and purposes, including but not limited to business, tourism, holidays, pilgrimage, education and medical assistance.
The ease of traveling outside of one domain usually comes with a great deal of preparation and more often than not a lot of money is spent to ensure that the travels actually take place; and they include obtaining an international passport, medical exam (where applicable), expensive visa fees, flight booking and hotel booking.
A lot of people will do anything and everything just to enable their international travel destinations. And to be really honest here, international law is really fun and something to look forward to. Travel, especially international travel, is a form of education for travelers where they have the opportunity to see a new environment, meet new people and learn how things are done elsewhere.
International tours offer the traveler many opportunities regardless of their original purpose with the travels. These include business opportunities, educational opportunities, job opportunities and even marital opportunities. Unfortunately, however, there are only these and many other opportunities these (must) travelers see. They seem to be ignorant or think less of the risks inherent in international travel, so they do not take any measures to mitigate such risks.
At this juncture, you might be tempted to ask the question: "What are the risks of international travel?" Very good question. Read on only because most of these risks are discussed in the next few paragraphs.
Risks associated with international travel
As interesting, fun, entertaining, profitable and educational as international law can be, they also bring their own heights – the risks – just like any other thing in life. And fortunately for tourists, most of these risks can be transferred to the business enterprises in travel insurance by purchasing travel insurance – also called "travel health insurance" or "travel insurance".
These international travel risks are many and varied and include, but are not limited to:
- Sudden illness in the destination country requiring urgent medical care and / or hospitalization.
- Participation in an accident resulting in bodily injury, temporary or permanent disability or death
- Loss of checked luggage
- Loss of valuable items such as international passports, drivers & # 39; licenses, identity certificates, etc.
- Personal debt abroad
- Emergency dentists
- Capture by law enforcement agencies that require insurance and legal protection
Another question that can be asked at this juncture is: "Does the travel insurance policy cover all of the above risks?" And the answer is a big YES, and so much more.
Cover and benefits provided by major travel insurance policy
Below is a list of most of the cover and benefits provided by travel insurance policy – depending on which providers offer. Next, when you buy a travel insurance policy, look for these covers and benefits.
- Medical costs and hospitalization abroad
- Emergency room emergency room
- Home relocation after treatment
- Emergency Medical Services
- Relocation of family members traveling with the insured
- Trip like family members
- The emergency home following the death of a close relative
- Resettlement of deaths
- Departure service
- International General Assistance
- Overseas information assistance on lost luggage and passports,
- Delivery of medicines
- Legal protection
- Provision of collateral bonds
- Robbers using public transport
- Loss of passport, driver's license, identity card abroad
- Compensation for loss of checked baggage in flight
- Compensation for delayed arrival of luggage
- Delay departures
- Location and forwarding of luggage and personal effects.
- accidental death
- Permanent disability
- Personal civil liability
- Travel cancellation expenses
Risks that are not covered by travel insurance policy
After talking about the cover and benefits provided by travel insurance, it is also important to note the risks that do not fall under most of these rules, as listed below:
- Participation in criminal acts or due to fraudulent, serious negligence or reckless actions, including the insured's actions in state damage or under the cost of psychiatric treatment which they themselves are excluded from;
- Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, unconventional circulation storms, falling objects from space and aerosols, and generally any unusual atmosphere, meteorological, earthquake or geological phenomena;
- Events resulting from terrorism, bribery or disturbance of the crowd;
- Events or actions of the military or security forces during peacetime;
- War, with or without prior declarations, and any type of conflict or international intervention using force or harshness or military action of any kind.
- Participation in bets, challenges or brawls, except in the case of legitimate defense or necessity;
- Current illness or injury
- Participation in competitions, sports and preparation or practice exams;
- Motorcycles or motorcycles, horseback riding, climbing, pottery, boxing, wrestling in any of their circumstances, martial arts, parachuting, ballooning, free fall, gliding and generally any kind of sport or leisure that is dangerous to any kind of sport or leisure;
- Participation in competitions or tournaments organized by sports associations or similar organizations.
- Dangerous winter and / or summer sports such as skiing and / or similar sports.
- Accidents at work
- International and local epidemics.
- Diseases or injuries due to chronic illnesses or those that existed before the start of the day;
- Death or injury due to suicide or suicide attempt or suicide.
- Sickness, injury or condition resulting from the consumption of alcohol, drugs, toxic substances, drugs or medicines obtained without a prescription, as well as any kind of mental illness or mental imbalance;
- Illness or injury caused by pregnancy and pregnancy or complications thereof or by voluntary pregnancy;
Where to buy travel insurance
You can buy travel insurance online – and there are many travel insurance providers to buy from. All you need to do is find an existing service provider and fill out the online form or questionnaire and make the payment and policy is made available to you for immediate printing or sent to your email address.
You can also purchase travel insurance offline from a local insurance company or travel agency. whichever purchase you choose, you can be assured that you will be fully protected against insecure gravel insurance risk.
Using your travel insurance
After purchasing your travel insurance policy, whether purchased on your own using the provider's online portal, at a travel agency or through an on-site insurance company, you should make sure you do not forget to take the document with you while traveling. This is so important because you may need to submit the document to the appropriate sources.
You should pay particular attention to your policy number (if possible, copy the number somewhere else) as your service providers will need to provide information about you when you call them for assistance.
Other things you should notice on your travel insurance policy or policy document are the phone number of the assistance company you need to call when you need help. These numbers are always prominently written on the travel insurance document – so note them.
You should try to read as much of a document as possible in order to understand the cover, terms and conditions of the policy as well as its exclusions. And, very important, when you claim your policy, be honest and avoid any fraudulent practices.
Summary and conclusion
There are other benefits that travel insurance offers that cannot be fully discussed here. But after reading the few benefits outlined above, you will agree that, in fact, travel insurance is a necessity for travel. So, next time you are planning an international trip, make travel insurance a priority. It is quite affordable and anyone can buy it. The peace of mind and the protection it will give you are immense.