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Overseas holidays are a lot of fun and it’s a shame to think about the things that could go wrong, but just because you’ve been to another country is no reason to assume that you’ll be at risk of any of these. The chances of being wrong are less than the dangers of everyday life. Theft, loss and medical emergencies are likely to affect you at least while on holiday, and the experience will be even more painful if you are not covered and have to bear the full burden of any financial loss. Rather than viewing travel insurance as an unwanted expense, remember that what you are paying for is peace of mind that will allow you to relax and enjoy your vacation without worrying that something should go wrong. How will you cope if you go? Travel insurance is an important part of any overseas holiday, whether you are a fit young backpacker, an elderly traveler joining a group tour or a young family on a resort holiday.
If you’re still not convinced, take a look at these reasons why you might need travel insurance.
1) medicine
Australian government statistics tell us that every year Australian consulates deal with 900 deaths and 1200 hospitalizations of foreign travellers. Hospitals in South East Asia can cost up to $1000 per day and the traveler will be solely responsible for the cost if they do not have any insurance cover. The same government statistics point to about 50 medical evacuations per year. When you consider that it could cost you over $100,000 to be deported from the USA, you can see how important it is to have insurance.
2) loss
Things get lost when you’re traveling. Luggage gets lost and purses stolen at airports when you’re sightseeing in unfamiliar cities where you’re not on the road as much as you are at home. However, there is no need to get paranoid as long as you have insurance cover. Losing your possessions is always disappointing, but having insurance is the difference between a temporary inconvenience and a costly disaster that could ruin your entire vacation.
3) flight cancellation
Flight cancellations are common and extremely stressful. At the very least you may find yourself walking around the airport for hours. If you have connecting flights or transfers, the impact can be much worse – and much more expensive. Even if you don’t, you may find that you suddenly need to arrange extra accommodation at the last minute, or you may miss one or more nights of accommodation you’ve already paid for at your destination may miss. Take out basic travel insurance and you’ll be covered for each of these issues.
4) Functions of Nature
If you become stranded abroad as a result of an act of nature such as a hurricane or typhoon, you may be covered by your insurance. If you are moving to an area with a high risk of such an event 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 personal life may mean that you have to cut short your trip, or postpone it altogether. You never know when you’re going to fall ill or suffer a family bereavement. Travel insurance will allow you to recover some of the cost of your postponed or curtailed holiday.
Far from being a necessary evil, travel insurance is a safety net to ensure that you do not find yourself unnecessarily out of pocket as a result of your overseas holiday. It doesn’t have to be expensive either. There are plenty of cheap travel insurance deals available, so there’s no reason to leave home without it.
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