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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.

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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

How Gaming Inspires Real-World Adventure

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Video games have gone well beyond just entertainment; they can now open doors to real-world exploration and adventure too. Their unique ability to take players to new worlds, albeit virtual ones, can motivate players to go out on their own to experience those locations, cultures, and adventures first-hand. A trend that’s gaining popularity with gamers is seeking out these virtual experiences in the real world to bridge the gap between the two realms. After all, they’ve already visited these diverse cultures virtually. In this article, we look at the impact gaming has had on our desire to explore and connect with the world around us.

The Influence of Gaming on Travel Choices

The immersive worlds of video games serve as more than just backdrops for storytelling and gameplay; they can be jumping-off points for real-world exploration. Games like Assassin’s Creed, which explores various historical settings, including cities, landscapes, and cultures in detail, and Yakuza, which unfolds the heart of Tokyo, have piqued the curiosity in gamers, motivating them to explore these destinations themselves.

These games have rich narratives and often take place in authentic settings, giving players a close-up look at the spirit of different locales, from the ancient streets of Rome to the bustling districts of modern-day Japan. This virtual tourism not only enriches the gaming experience but also influences travel choices, as players seek to experience the depth and authenticity of the cultures and places they’ve grown to admire in their digital adventures.

Las Vegas and Online Casinos

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Las Vegas is one of the best examples of how gaming—video games and online casinos—inspires real-world adventure. For those who don’t live in the Southwestern United States, getting to the entertainment capital of the world requires planning and long-distance travel. However, you can find aspects of the city’s glittering appeal in various video games and online platforms that offer a virtual taste of one of the world’s most famous cities.

These digital experiences, from the strategy of blackjack to slot machines’ virtual spins, mirror the excitement of Las Vegas, motivating gamers to experience the city in person. Titles like Fallout: New Vegas and numerous casino-themed games have significantly shaped perceptions, enticing gamers with a virtual Las Vegas adventure to seek the authentic entertainment, sounds, and sights of the Strip, boosting tourism as players pursue the excitement they’ve first encountered online.

From Virtual to Reality: Other Popular Destinations Inspired by Gaming

Within video games, distant and fictional worlds are available for us to explore with the tap of a controller or click of the mouse, which can inspire real-world curiosity among audiences. If a player explores Tokyo through the Persona series, they’ll get a vibrant, stylized glimpse into Japanese culture, fashion, and daily life, which can encourage fans to get out and explore the city’s actual streets, shrines, and districts on their next vacation.

Similarly, the Spider-Man games set in New York City allow players to swing through the different Manhattan boroughs, which can foster a desire to experience the Big Apple’s iconic landmarks in person.  One of the biggest draws of the Assassin’s Creed series is its historical settings that educate players on different eras and locations, including everything from Renaissance Italy to Ancient Egypt, making history accessible and intriguing. These games entertain while at the same time acting as interactive travel guides, encouraging cultural exploration and a deeper appreciation of the history and significance of their real-world counterparts.

The Role of Augmented Reality (AR) Games

Augmented Reality (AR) games, like Pokémon GO, have changed the way we interact with our surroundings, turning boring everyday activities into a backdrop for fun and exciting adventures. AR works by overlaying virtual elements onto the real world and these games encourage players to venture outdoors, explore new locations, and even travel far from home as they try to collect as many Pokémon as they can along the way, making it one of the most unique gaming experiences available. Pokémon GO, in particular, has had a big role in creating community events and gatherings, bringing together players of all ages in public spaces, parks, and landmarks worldwide.

The Pokémon Go phenomenon has gotten people off the couch and engaging in physical activity and exploration while also bringing together communities for a shared adventure among players. Although there hasn’t been another game as successful as Pokémon GO, its success demonstrates the potential to blend virtual gaming experiences with real-world adventures, making the act of exploration both fun and rewarding. Through these interactive experiences, AR games have the power to transform local neighborhoods and distant locales into playgrounds for the imagination, further blurring the lines between the digital and the physical worlds.

 

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Travel Tips

Swiss Serenity: Rejuvenating City Breaks in the Heart of Switzerland

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When we think of Switzerland, our minds often conjure images of breathtaking alpine landscapes, pristine lakes, and charming villages. While these natural wonders are undoubtedly a significant draw for travelers, Switzerland also offers an enticing urban experience that often goes overlooked. In this blog post, we’ll explore the concept of “Swiss Serenity” and discover how rejuvenating city breaks in the heart of Switzerland, particularly in cities like Zurich, can be a perfect blend of culture, relaxation, and adventure.

Discovering City Breaks in Switzerland

City breaks have gained immense popularity in recent years, providing travelers with the perfect opportunity to explore urban destinations without the long-term commitment of extended vacations. Switzerland, a country often celebrated for its outdoor splendor, may not be the first place that comes to mind for city breaks, but it certainly should be.

The charm of city breaks in Switzerland lies in the seamless fusion of modernity and tradition. You can savor the serenity of the Swiss Alps and still indulge in the cosmopolitan vibes of cities like Zurich. Here’s why city breaks in Switzerland, particularly Zurich, are worth considering.

Zurich: A City Break Gem

City Breaks Switzerland: Zurich, the largest city in Switzerland, stands as a testament to the country’s reputation for precision and efficiency. But don’t let the business-oriented facade fool you; Zurich has a lot more to offer than just its financial prowess.

Zurich is a city of contrasts, where the serene waters of Lake Zurich meet the hustle and bustle of a thriving metropolis. The city seamlessly blends its rich history with a vibrant contemporary scene. From the medieval old town with its narrow cobblestone streets to the cutting-edge art galleries and museums, Zurich offers a myriad of experiences for all types of travelers.

Cultural Extravaganza

One of the highlights of a city break in Zurich is the city’s thriving cultural scene. Explore the Kunsthaus Zurich, one of Switzerland’s most important art museums, housing an impressive collection of European and Swiss art. If you’re a fan of contemporary art, don’t miss the renowned Migros Museum of Contemporary Art.

For history buffs, a visit to the Swiss National Museum is a must. Immerse yourself in Switzerland’s history, culture, and traditions through a fascinating collection of artifacts and exhibitions.

Relaxation and Serenity

After a day of exploring the city’s cultural offerings, find serenity in Zurich’s green spaces. The beautiful Lake Zurich offers a peaceful retreat, where you can enjoy a leisurely boat ride or simply sit by the shore, soaking in the tranquility. The city’s parks and gardens, such as the Zurich Botanical Garden, are perfect for a rejuvenating escape from the urban hustle.

Culinary Delights

City breaks Zurich wouldn’t be complete without indulging in the city’s culinary delights. Swiss cuisine is a fusion of German, French, and Italian influences, resulting in a delectable array of dishes. From savory fondue and raclette to sweet delights like Swiss chocolate, Zurich offers a gastronomic journey like no other.

Don’t forget to explore the city’s vibrant food scene, with its trendy cafes, gourmet restaurants, and bustling markets. The bustling food markets, such as the Viadukt Markthalle, offer an opportunity to taste fresh, local produce and international delicacies.

Adventure Beyond the City

While Zurich itself is a captivating destination, it also serves as an ideal gateway to explore the rest of Switzerland. Embark on day trips to nearby destinations like Lucerne, Interlaken, or Zermatt to witness the country’s stunning natural beauty. Whether it’s hiking in the Swiss Alps or cruising on Lake Lucerne, these excursions provide a perfect balance between urban exploration and outdoor adventure.

Conclusion: Swiss Serenity Awaits

In conclusion, Swiss Serenity Awaits, beckoning travelers to embark on a journey of discovery and rejuvenation in the heart of Switzerland. While the country’s natural wonders are undoubtedly awe-inspiring, its urban gems, particularly Zurich, offer an experience that is equally captivating.

City breaks in Switzerland provide a unique opportunity to balance the serene beauty of the Swiss Alps with the vibrancy of its cities. Zurich, with its rich cultural scene, tranquil lakeside views, and delectable culinary offerings, epitomizes the perfect fusion of tradition and modernity.

As you explore Zurich’s museums, stroll through its historic streets, and savor its world-class cuisine, you’ll find yourself immersed in a city that effortlessly marries the past and the present. And when you seek respite from the urban bustle, Zurich’s parks and lakeshores provide an oasis of tranquility, allowing you to unwind and recharge your spirit.

So, whether you’re a culture enthusiast, an adventure seeker, or simply in search of serenity, Switzerland has it all. Swiss Serenity Awaits, inviting you to experience the perfect blend of city breaks and natural beauty in a country that never fails to enchant and rejuvenate. Embrace the Swiss way of life, where precision meets passion, and create memories that will last a lifetime. Your next city break in Switzerland promises to be an unforgettable journey into the heart of serenity and splendor.

 

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Travel Tips

What you need Before Visiting Colombia in 2024

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Colombia has always been a beautiful country with a rich culture and history. Each year many people are eager to visit. However, before you plan your trip, it’s important to be aware of the requirements and regulations for visiting the country.

First and foremost, all travelers to Cartagena Colombia safety must have a valid passport. Your passport must be valid for at least six months after your planned date of departure from Colombia. It is also important to check with your country’s embassy in Colombia to see if any additional travel documents are required.

In addition to a valid passport, travelers to Colombia must also have a valid visa. The type of visa required will depend on the purpose of your trip and the length of your stay. Depending on the passport you have there are not many requirements to visit Colombia. Tourist visas are typically valid for 90 days, while business visas are valid for 180 days. If you plan to stay in Colombia for a longer period of time, you will need to apply for a different type of visa.

Before you travel to Colombia, it is also important to have travel insurance. This will help cover any medical expenses or other costs if something unexpected happens during your trip. It’s also a good idea to check if your insurance covers you in Colombia, if not, you may want to consider getting travel insurance specifically for Colombia.

When it comes to vaccinations, it is recommended that travelers to Colombia have their routine vaccinations up to date, such as measles, chickenpox, and the flu. Additionally, it is also recommended that travelers get vaccinated for yellow fever if they plan to visit areas of Colombia where the disease is present.

When it comes to packing, it’s important to be aware of the climate and culture of the country. Colombia is a tropical country, so it’s a good idea to pack lightweight clothing and sunscreen. it’s also important to bring comfortable shoes as you will do a lot of walking.

During your trip, it is important to be aware of your surroundings and to take the necessary precautions to ensure your safety. It’s a good idea to avoid walking alone at night and to avoid carrying large amounts of money with you. It’s also important to be aware of local laws and customs, and to respect them while you are in the country.

In conclusion, visiting Colombia can be an exciting and enriching experience, but it’s important to be aware of the requirements and regulations for traveling to the country. Make sure you have a valid passport and visa, travel insurance, and vaccinations, and be mindful of your safety and the local laws and customs. With proper planning and preparation, your trip to Colombia can be a memorable and enjoyable experience.

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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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