When you’re travelling or booking a trip to a different country or a state, your travel agent might have mentioned “Travel Insurance”, but the big question is, “What is travel insurance, and do I need it?” In this article, we are going to explain to you what travel insurance is, what are the things that it covers and if you need it or not.
What is Travel Insurance?
Travel insurance is a type of insurance that was made to cover medical expenses, lost luggage, flight accident, trip cancellations and other losses that happen during your trip, no matter it is a domestic one or an international trip. Most of the times, a travel insurance policy is bought at the time of the booking of a trip and its coverage only lasts throughout the duration of your trip.
The cost of a travel insurance policy is cheap if you’re travelling to a country that offers health-care services at low costs, but if you’re travelling to a country such as the United States of America, you will have to pay more.
There are a number of travel insurance policies that are available in the market right now, but you should know the type of coverage they offer, what exclusions do they have, their limits, the exceptions of the policy and its rules and regulations.
Should You Buy Travel Insurance?
To make it short, yes, you should.
Your normal health insurance will not work in other countries unless you have universal health insurance, which is extremely expensive.
An illness or disease might be on the block and the best thing you can do to protect your self is to have insurance that works in different countries or states.
Unlike other insurance, it is not mandatory to buy a travel insurance policy. This means it is up to you if you want to get it or not. But if you’re travelling to a different country or really far from your house, you want to have a travel insurance policy by your side. A good travel insurance policy will handle situations that are almost impossible to face. Companies that provide travel insurance handle situations by themselves so you can stay stress-free and focus on other things.
Travel insurance will protect you in a number of unfortunate scenarios if you get into them during a trip to a different country or in a state. If you’re a person that likes to protect from unfortunate situations, you need to have the Best Travel Insurance Calgary from the best insurance broker in your city.
To help you learn more about travel insurance and what it covers, here are 10 things that it covers during your trip.
Benefits of Travel Medical Insurance
10 Benefits of Having a Good Travel Insurance Policy with You During a Trip.
Medical Emergency Support
A good travel insurance policy will cover your medical bill in a different country if you get involved in an accident (depends on the accident). A medical travel insurance policy will cover your hospital bill if you get sick, get a simple cut, or other medical emergencies during your trip. This is a huge thing especially if you’re travelling on a tight budget.
Coverage in Countries That People Don’t Even Know They Exist
One good thing about a good travel insurance policy is that it also provides coverage in countries that people don’t even know that exist. When you’re travelling to a different country, you will be involved in a lot of moving, which also increases the chance of you to get sick, take part in an accident or get your things stolen or lost during your trip. But thanks to a travel insurance policy, you will get optimal coverage if you get involved in any of them.
To know more about Travel insurance for Canadians Calgary, contact Calgary Insurance Quotes, the best travel insurance provider in Calgary and vicinity!
Dental Coverage
When you’re travelling, you might lose a tooth due to an accident or get sudden toothaches, which may cause you to be in trouble. Imagine a good trip turning south just because you don’t want to spend money on your teeth. A painful toothache can force you to take meds or even stay in bed for a long time. Luckily, travel insurance also provides coverage for dental emergencies such as toothaches and many more.
Coverage for Trip Cancellations or Flight Rescheduled Flight Costs
Due to personal or technical reasons, you might cancel your trip or may reschedule it. Luckily if you have a travel insurance policy with you, you will get coverage for every single penny you had to spend due to change your flights. A policy will provide coverage and proper help if you get forced to skip, reschedule, or cancel your trip.
Medical Evacuation Coverage
In case something goes horribly wrong during your trip, travel insurance will also provide medical evacuation coverage. This means you will get coverage for your transportation to the nearest hospital, a state with special equipment, or even the country where you’re originally from. This comes handy if you have a certain type of disease or illness that requires you to get frequent visits to the hospital.
Stress-Free Trips
No matter what hits you during your trip with your friends or family, a good travel insurance policy will provide security and coverage. This leads to a stress-free trip because you don’t have to worry about anything.
Lost or Stolen Luggage Coverage
Frequent travelling means you will be carrying around luggage with you that stores all the things that you need in your day to day life, but what happens if you lose it or someone steals it? If you don’t have a travel insurance policy with you, it will be a huge problem, but if you have a travel insurance policy, you don’t have to worry about anything. A good travel insurance policy provides coverage to lost belongings of its holder.
Car Hire Accident Coverage
When you’re on a trip to a different state and you’re travelling in a hired car that gets involved in an accident, a travel insurance policy will provide coverage for the damages the vehicle sustained in the accident. A travel insurance policy will take care of unexpected financial expenses that are brought in throughout your holiday trip.
Whole Family Coverage
If you’re travelling with your family, you should have the proper coverage with you. Your family is the most important thing for you, and taking care of them is your responsibility. If you’re planning to go on a trip with them, the best way to do it is by buying a proper travel insurance policy.
Accidental Death Coverage
If an accident results in death, a travel insurance policy will cover to bring your body back into the country of your origin. It will also pay the hospital bills, travelling costs, and many more. But the coverage for this depends on the add-ons and on the type of insurance policy you have. To know more about Travel Insurance for Visitors to Canada, call Calgary Insurance Quotes.
Here Are Some Things the Travel Insurance Does Not Cover
Travel insurance does not cover everything, and those things are:
- Injuries Caused by Extreme Supports
- Pregnancy
- Medical Travel
- Getting Injuries by Playing Professional Sports
- Travelling to Countries That Are Listed On The “Do Not Travel List”
- Learning to Fly a Plane
The things that are mentioned above are just some of the things that are not covered by travel insurance. To know more about what the Best Travel Insurance Calgary does not cover, call Calgary Insurance Quotes!
