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What Does Travel Insurance Cover For You?

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Many people in India underestimate travel insurance for no reason in particular. They are of the mindset that travel insurance is an unnecessary investment and can be avoided easily. If you also believe the same, then you are completely wrong!

Travel insurance is as important as health or any other kind of insurance. Travelling is a part of human life. There are hardly any people who do not travel to new places either for work purposes or for vacations. And when you travel, you obviously need safety, right? And safety comes from buying a travel insurance policy.

There are many insurance companies in the market that are providing with different kinds of travel insurance policies. You need to choose the best amongst them as per your priorities and budget. Try to strike a balance between these two aspects (affordability and requirements) as it will help you benefit more. Compromising on your needs or going way beyond the range of your budget will lead you in trouble at a later stage.

Travel Insurance policy provides you a sense of security whenever you are not at home. Apart from you, it also keeps your family members satisfied whenever you are not with them. In this way, you can enjoy your trip in a better manner with complete safety, be it financially or physically.

But before buying the policy, you should be aware with what it covers for you, right? Below mentioned are few points that will guide you regarding the same. Just have a look at them!

Travel insurance provides coverage against the following.

Trip cancellation:

A much awaited trip is what a person waits for to explore, relax and it provides a break from the hectic life, which is quite common these days. The major sadness strikes when the travel plans gets cancelled. Few reasons for the cancellation may be:

  • You may fall sick or face illness before the travel date.
  • You may face injury which restricts you from travelling.
  • Weather conditions are not good for travelling.
  • A terrorist attack may strike at your destination.
  • An emergency work or situation may rise which makes you cancel your travel plans.

Travelling requires a lot of preparation and planning in advance before you leave towards your destination. It involves pre-booking of hotels, flight, trains etc. and a fair amount of money is always spent on these things which can be non-refundable. If a situation arises in which a person has to cancel his or her trip with the money already paid as advance, then there is quite a chance that he or she will have to face these expenses without any reason.

To save you from facing such financial loss travel insurance comes into play.

Travel insurance cover provides reimbursement to these non-refundable costs incurred by you prior to your travel.

In order to purchase the trip cancellation cover one must insure some or all of your trip expenses.

Trip interruption:

In addition to the trip cancellation policy one gets a benefit named as trip interruption cover.

A situation may arise when you are required to travel back home in between your trip. But it is obvious that you must have made the arrangements in advance for the whole trip.

Trip interruption plays the role of refunding you the amount of all the unused expenses. These unutilized expenses can be the amount paid for hotel bookings, travel etc.

Trip interruption protects a person from facing unnecessary expense.

Health emergencies:

No one is immune to health problems and diseases and they can strike you anytime and anywhere without any notice. You don’t want them to ruin your travel plans but it is not in your hand.

In the situation of these medical emergencies the patient requires proper treatment on time. Treatment in many countries can be a costly affair and no one will want to think and worry about the costs at this situation.

People believe that domestic health coverages will work in abroad too. But this is completely wrong as one needs to purchase a separate health insurance cover while travelling abroad.

Travel insurance cover will reimburse you with all the expenses incurred by the insured for the complete treatment. These expenses may include the consultancy charges, ambulance charges, treatment cost and so on.

Medical evacuation:

Medical evacuation isalso known as medevac cover and it goes along with the medical emergency cover.

In case medical emergency strikes at the time of travel this cover provides you with ambulance facility to the nearest hospital and can bring you home if hospital determines that it is necessary in your situation.

You may also choose the hospital which suits you. Along with Sthis the cover provides you with on vehicle medical assistance till the time you reach the hospital.

Lost baggage or passport cover:

Travel insurance cover also deals with lost baggage or important documents like Visa or Passport.

This type of cover is helpful in securing your belongings at the time of travel. One may face a situation like theft or damage which may lead to loss of any important possession. In this situation, this insurance cover will pay you for the loss of your belongings.

You must be aware of the fact that passport is one of the most important document a person requires to travel as no country will allow you to enter without it. If a person loses the passport due to any reason then the travel insurance company will make arrangements for a temporary passport so that the insured does not face any problem and stays tension free.

In case there is baggage delay the insurance company pays you for the basic amenities like clothes and toiletry kit. This is done so that you have required things till the delayed baggage arrives.

Delayed flights:

Flights only take off when the situations are suitable. With situations we mean weather conditions or mechanical welfare.

Under unsuitable conditions the flights can be delayed or even cancelled.

Delays and cancellations are common in air travel as good conditions required to take off are not in the hand of people. For example: there is a fault in airplanes turbine or stormy weather.

This delay or cancellation may lead to financial loss to the travelers as they might have made pre-bookings at their destination and have paid them already.

Along with paying for the medical expenses or loss of luggage they also provide reimbursement for the loss incurred by the insured person due to delay or cancellation of flight.

It is often heard that he or she missed the flight as he or she didn’t arrive at the airport on time. There can be many reasons behind this like traffic, weather conditions etc. Whatever the reason is, the airline company will not return your money in such a case, which will eventually lead to your loss.

For this purpose missed connection benefit comes as a savior for travelers who are delayed, and incur additional costs to catch up to their trip.

The actual reason for the delay should be mentioned in your policy in order to receive the benefits from this cover.

Emergency evacuation:

Everyone thinks of having a good time while they are travelling. But one should know that uncertainties may arise at any moment without any notice.

Situations like natural calamity, serious health problem or a terrorist attack may be the reasons for emergency evacuations. No person will want to be stuck in such a situation in order to be safe and sound.

If you get stuck in this situation in order to reach a safe place or hospital you will have to pay a large amount of money in transportation. Benefits of purchasing this coverage is that it will pay for all the evacuation expenses like airlift, transportation cost to reach hospital.

Worldwide phone assistance:

This cover can be really very beneficial for you at the time of medical emergency, loss of luggage or passport or cancelled flights. It provides you with worldwide coverage and phone assistance so that you can make a call if you face these types of situations.

Along with this they also offer you 24/7 travel assistance service. This cover will provide you with both medical and non-medical benefits like:

  • Provide transportation to the hospital.
  • Provides proper treatment.
  • Free choice to choose your hospital.
  • Assistance in case of lost passport or documents.
  • Help in locating lost luggage.

Travelling without purchasing a good travel insurance cover in not an option one should prefer. Looking at the possibilities of facing any major or minor uncertainty one must surely purchase a travel insurance cover before travelling abroad as no one knows when it may come to use.

Cole is one half of New Zealand's leading adventure travel blogging couple who have been wearing out their jandals around the world since 2009. He loves any adventure activities and anything to do with the water whether it is Surfing, Diving, Swimming, Snorkeling or just lounging nearby on the beach. You can follow Cole on Google+. Or consider following us via RSS Feed, Twitter, Facebook and subscribe to our Newsletter.

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Travel Tips

Time To Start Travelling Again – Soon!

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Fellow travelers, most of you must be feeling that old wanderlust very strongly right now! I’m pretty sure most of us are ready to go out and explore like we did before. The good news is that it looks like we are nearing that point.

Most major airlines and destinations are at the very least starting to open up and book non-humanitarian flights (check sites like SkyScanner & CheapOAir), with departure dates ranging from two weeks to three months’ time, depending on, depending on the destination.

So the question remains: where should you go first? Here are some of Four Jandals’ thoughts on the subject:

Montreal, Quebec, Canada

We’ve already been to Montreal many times before, as that link can surely show you. We really want to go back and enjoy the life in that vibrant city. Here’s a few reasons why:

-International flights will be available in a few weeks.

-Everything except for combat sports, amusement parks (La Ronde closed, too bad), and major events is now open.

-Cuisine, cuisine, and more cuisine. Bagels, smoked meat, poutine, mmmmmmm.

-Montreal for all it’s panache is surprisingly cheap if you know how to avoid the tourist traps.

Punta Cana, Dominican Republic

Why Punta Cana? Great all-inclusives. This option is really good for people who just want to kick back and relax and not necessarily even move that much, which is something maybe we all want at one time or another.

Several days of beaches, buffets, luxury accomodations and absolutely no schedule. And nobody else does it quite like they do it in Punta Cana!

Mexico City, Mexico

Mexico City gets a lot of tourism, but for some reason it’s always been greatly overlooked as tourist destination, all the same. This is a shame, because this city has a whole lot to offer.

First off, it’s a world-class culinary destination. You can get food from all over Mexico and all over the world here, from chapulines on the street corner to tacos to seafood Veracruz style to asados to Michelin star restaurants, Mexico City will never fail to disappoint a foodie!

Besides this, together with NYC and London, Mexico City features some of the world’s best and most prestigious museums. One could literally spend months on end here and still not see everything the museums have to offer.

Add to this great live music and nightlife in general, and a generally great climate (it’s rarely below 10 degrees or above 30 degrees centigrade over there), and most importantly, seriously awesome people. Everybody should check this city out at least once.

 

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Travel Tips

G​ive yourself a Florida writer’s retreat

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While folks are still trying to social distance, many freelancers could use a getaway. The same gig in the same house with no coffee shops available to go to? It gets old after awhile.

A​ writer’s retreat might be in order for you. While holed away in a resort, you can get your freelancing organized on Top Content, order from hidden gem local restaurants, relax, enjoy, and get those creative juices flowing.

Florida may not be your top destination this summer. But if you’re looking for a new place to write all alone? Then severalFlorida destinations are a good bet, especially the less obvious ones.

S​tuart

North of Palm Beach County you’ll find calm, peaceful Martin County. Stuart is the largest city in Martin County. The small city boasts both great beaches and diminishing numbers of corona cases, and so it’s an ideal place to get away from it all right now. Because it’s on the water, Stuart is best known for its fresh seafood. Some restaurants are open for dining. Better yet, you can get fresh, local seafood delivered directly to your resort door.

I​slamorada

I​f you’re up for an oceanside drive to inspire your thoughts, make Islamorada the end of your journey. The Florida Keys are a writer’s paradise, even during the hot summer months. Less crowded than Key West and a lot closer, Islamorada Is everything you’re looking for in the Keys, only you can have it all to yourself. Almost every resort in town is directly on the beach, and yours for relatively cheap. Fresh seafood is plentiful, as is beautiful scenery. On your way down, stop at the Florida Keys Wild Bird Center.

A​popka

Immediately northwest of Orlando, Apopka features a ton of natural beauty and wifi enabled campgrounds. There are many RV and resort parks nearby, including Lost Lake RV Park and Magnolia Park, a campground featuring butterflies & peacocks. While trying to gain inspiration, you can stroll around hugeLake Apopka. Because it isso close to Orlando, Apopka has the shopping and amenities of a larger city. Once you’re there, though, you’ll feel like you’re way out in the country.

M​icanopy

Just outside of Gainesville and close to Cross Creek, the famed home of Florida writing legend Marjorie Kinnan Rawlings, you’ll find Micanopy. Named after a title given to Alachua Seminole leaders, this town is a well-preserved slice of old Florida. One great place to stay is the Herlong Mansion, currently running a reopening deal.

S​ebastian

W​ith wifi-enabled camping grounds, coastal views, and quiet summers, Sebastian is a prime place to visit. The town motto is “Friendly People and Six Old Grouches,” but the six old grouches probably went back up north for the summer. Hotel rates are low, and between Sebastian and neighbor Vero Beach, you can fulfill whatever food or shopping needs you might have. One optionis the Sportsman’s Lodge, a weekly and extended stay property that boasts especially low rates between May & December. Call ahead if you’re looking to book a stay.

A​ change of pace can be great for the writer’s imagination. Hopefully, you can find it in Florida this summer.

 

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Travel Tips

The Best Cities for New Opportunities

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Even in this time, one service that will still remain essential is moving. While relocating to a whole new area might not be at the forefront of many people’s minds right now, there are lots of wonderful places ready to welcome you to a whole new lifestyle. Although lots of people are staying put this summer, moving is one of the safest adventures right now.

If you’re looking to start a new business in your new location, be sure to check out the New American Bancard company at https://www.northamericanbancard.com/ for help getting off the ground. The post-pandemic economy will be a place that a lot of people are looking to start over, so get moving now.

Sarasota, FL

With calm beaches, great culture, and a slower pace of life, Sarasota is a destination for more than just vacationing. Outstanding restaurants and the picturesque gulf waters are anchored by low cost of living and lots of available housing. Schools are great and performing arts thrive in Sarasota, and living close to The Ringling Museum is pretty great, too. If you need great local movers when you arrive, be sure to call Great Local Movers, who will be happy to welcome you to the jewel of west Florida.

Franklin, TN

Want Music City Magic without the Music City cost of rent? 30 minutes south of Nashville, you’ll find your answer. While costs in Tennessee are rising, Franklin remains an affordable option for many singles & families. Close to the Smokey Mountains for nature lovers, Franklin also boasts the historic Mockingbird Theater, a local gem.

Provo, UT

A booming tech sector and growing cultural scene helps boost Provo’s reputation as “the Austin of the Mountain West.” With low cost of living, an exciting music scene, and enormous job growth, you might want to get in on the goods of Provo now, while costs are still low. Proximity to the benefits of Salt Lake City and the stunning beauty of Zion National Park are also terrific reasons to head west.

Lancaster, PA

Close to Amish Country, Philadelphia, and dubbed the new Brooklyn, Lancaster is a great place to move to. It has outstanding restaurants, incredible shopping, and is a rising star on the East Coast. Lancaster offers a lower cost of living with reasonable access to the biggest cities on the Eastern Seaboard. It is a great place to relocate for both young professionals and for families.

Boise, ID

If you’re looking to leave behind urban life without leaving behind culture and opportunities, Boise is for you. Idaho’s largest city experienced growth three times that of the national average in the last decade. Boise is only looking up from there. The natural beauty of the city is boosted by a nearby central Idaho dark sky preserve.

Think of a big move like a very big vacation. Take the plunge, and you might thank yourself once the world has returned to normal.

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Meet Cole and Adela

Cole and AdelaWe have been wearing out our jandals (Kiwi for flip-flops) on our travel adventures around the world since 2009. We think our blog is thought provoking and a little witty. But we have been proven wrong before. Find out more about us here...

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