When travelling to countries overseas, it is essential to ensure you have adequate travel insurance in place. This is because whilst many countries may not have reciprocal or insurance cover, this does not mean that an incident will not take place.
In this article, we will highlight the five fundamental must-have inclusions that should be covered in your travel insurance policy for a hassle-free vacation away from home.
- A basic cover for your luggage and personal belongings is important, even if you are travelling as a passenger on a commercial flight. If something does get lost, stolen or damaged, your travel insurance policy should make adequate provision for that.
- In the event of an emergency resulting in you having to cancel or shorten your trip cancellation cover will ensure that you are reimbursed for any flights, accommodation and activities that you’ve already paid for.
- Medical emergencies are an important part of your health insurance plan as they can arise at any time. In the event of an illness or injury, your travel insurance policy should take care of the cost so that you don’t need to worry about the cost of treatment.
Be sure to check the details of your travel insurance policy. You need to ensure that you are covered for illness and injury, but also repatriation back to your home country if required.
- If you are forced to cancel a flight due to events beyond your control, such as adverse weather conditions, a public transport strike or another emergency, you will be covered by travel delay cover. If you miss your departure due to events beyond your control, such as car breakdown or an accident, the costs of additional accommodation and the cost of travel expenses will be covered.
- The final essential cover on your destination travel insurance policy is for any activities you intend to participate in whilst on your travels. These will vary depending on the location, but generally include swimming, snorkeling, cycling, horse riding and parachute jumping as well as activities such as rock climbing and extreme sports like skydiving.
The best way to ensure you can claim all the compensation you may be entitled to is to ensure that your insurance covers all of your personal belongings.
Therefore, it’s important you check with your provider on what the limits are on individual items as there might be a limit on how much you can claim on some high-end items such as mobile phones, cameras or personal computers. Bear in mind that some policies may require you to show proof of ownership like a receipt and that some items like sunglasses or jewellery can be excluded.ownership like a receipt and that some items like sunglasses or jewellery can be excluded.
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