Most Common Travel Insurance Questions and Answers You Need to Know
When travelling, it is extremely important to have travel insurance. Many people have many misconceptions about travel insurance. Below is a list of questions that you need to know about travel insurance.
Does travel insurance only involve health insurance?
No. Travel insurance can cover so much more than just your health. Aside from accidental injuries and sudden illnesses, travel insurance also covers for trip cancellations, fight interruptions, emergency transportations, and loss of items during travels.
Does the travel insurance cover all illnesses?
Not exactly. According to travel.voyagevietnam, the health insurance under travel insurance only covers unexpected emergencies, for example, breaking an arm or a leg, food poisoning or getting local diseases like dengue. The travel insurance does not cover for getting a tooth filling.
Why is using my credit card not good enough?
Most credit cards offer very little protection. They offer coverage for lost items, trip cancellation and medical expenses only if you have booked your flight using the card. The card may also not cover you unless the policy is activated before the trip. When a credit card covers the cost, the coverage limit might be very small that the difference that you top up with ends up to be much more than expected. The American express card Platinum is the only one that offers maximum protection. However, it costs a fortune. The credit card should not be relied on fully.
Why are most of the reviews online about travel insurance negative?
That is because most people do not read the terms and conditions. They buy it and make an assumption about what the insurance covers. When something happens and it cannot be covered by the insurance, they become very angry. When they lack the appropriate documents to help support their claim, they turn to the internet to complain. They write negative things about the company. Negative reviews by users who failed to read the fine print about the policy do not mean that the insurance company is a bad idea. Insurance companies always give reimbursement if the claim is covered by their policy. There are lots of paperwork involved, but you get your claim eventually. As long as you have documentation or you have proof you owned what was lost, you will be accepted. Insurance companies do not take word of mouth.
Will the travel insurance cover accidents while in the home country?
Yes. Some insurance may cover you while you are in your home country. They cover 100 miles or more from your stated permanent address and outside your home country. For example, when you’re travelling to Vietnam, you will surely be covered as you are outside your country.
It all depends on the policy that you have. They mostly have conditions about where you can travel to and when the coverage begins and ends.
The importance of travel insurance cannot be stressed enough as it has helped several travellers. Nobody plans for something bad to happen, but when it does, you will be glad you have insurance. Before accepting a policy, ask yourself the questions above.