By Mkamba M Juke
A travel policy covers you and your family during the travel period. It should go beyond settling medical covers to other calamities that you are likely to face during the entire journey. Using this cover is the best way of protecting you and your family against the unknown. Therefore, it is important to include the insurance cost when you are planning for your holiday expense.
A good policy should provide cover in the following areas:
Medical expenses
Many people have fallen ill while travelling and a number of them are succumbing to their illnesses due to lack of enough resources for immediate action. The insurance should cater for such emergencies to avoid untimely death. It should cover both in-patient and outpatient treatments and hospitalization.
Luggage and other personal possession
It is painful for one to go shopping again after his or her possession are stolen or damaged in the event of travel. In case this happens, the insurance should provide reimbursement for the loss. However, if one losses his or her possession by careless means, compensation should not be done.
Accidents
Accidents are unpredictable and are bound to happen anytime to anybody. In case of an accident, the policy should provide compensation for death or permanent disability. The persons named by the affected should get the compensation in case of death.
Delays and time inconveniences
Due to large number of passengers in recent times, there have been incidents of delays. Climatic changes have also led to delay especially in the air transport sector. In case this happens, the policy should provide compensation for any extra expense incurred during the delay.
Catastrophe
If a catastrophe occurs, the insurance may not actually cover the calamity but should cover the extra accommodation and expenses incurred. The insurance should cover the expenses until you continue with the journey or you return home.
Importance of travel insurance
- If you lose your baggage containing your medication, you can apply for emergency prescription through the help of the policy.
- If you lose your wallet and other personal identification documents, the insurance helps you to recover them and provides you with emergency cash.
- They cover medical expenses and reduce the burden to you and your family.
- If you have to vacate your location due to natural calamities like tsunamis and hurricanes, the insurance covers for the loss until you settle.
- In case your flight line is declared bankrupt, the insurance ensures that you do not lose your money in the incidence.
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