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Travel insurance – A must-have for international travelers

Traveling is an activity that each individual must undertake at one time or another; no matter what the purpose of the trip or whether the trip is local or international. A lot of people are looking forward to traveling to other parts of the world for various reasons and purposes, including but not limited to business, tourism, vacations, pilgrimage, education and medical care.

The euphoria for traveling outside one’s domain usually comes with a lot of preparations, and more often than not, a large amount of resources are distributed to ensure that the trip is actually done; and these include the acquisition of an international passport, medical tests (where applicable), costly visa handling fees, flight bookings and hotel reservations.

Many people will do anything and everything just to actualize their international travel ambitions. And to be very sincere here, the international journey is actually fun and something to look forward to. Traveling, especially international travel, is a form of education for travelers as they have the opportunity to see new environments, meet new people and learn how things go elsewhere.

International travel offers the traveler many opportunities regardless of their original travel purpose. These include business opportunities, educational opportunities, job opportunities and even marriage opportunities. Unfortunately, however, it is only these and many other opportunities that these (potential) travelers see. They seem ignorant or worry less about the risks involved in international travel, so they do not take any initiative to mitigate these risks.

At this point, you may be tempted to ask the question: “What are the risks associated with international travel?” Excellent question Just read on, as most of these risks are discussed in the following paragraphs.

Risks associated with international travel

As interesting, fun, enjoyable, profitable and educational as international travel can be, they too have their downsides – the risks – just like everything else in life. And very fortunately for travelers, most of these risks can be transferred to professional travel insurance providers, by purchasing a travel insurance – also referred to as “travel medical insurance” or “medical travel insurance”.

These international travel risks are many and varied and include, but are not limited to:

  • Sudden illness in the destination country that requires urgent medical treatment and / or hospitalization.
  • Involvement in an accident that leads to bodily injury, temporary or permanent disability or death
  • Loss of checked baggage
  • Loss of valuables such as international passport, driving license, national identity card, etc.
  • Personal liabilities abroad
  • Emergency dental cases
  • Hijacking
  • Arrest by order forces requiring bail and legal defense

Another question that can be asked at this juncture is: “Do travel insurance policies cover all the risks mentioned above?” And the answer is a big YES, and much more.

Covers and services provided by the main travel insurance policies

Below is a list of most of the coverages and benefits offered by travel insurance policies, depending on the suppliers. So the next time you buy a travel insurance policy, look for these covers and benefits.

  • Medical expenses and hospitalization abroad
  • Emergency medical evacuation
  • Repatriation after treatment
  • Emergency dental care
  • Repatriation of a family member traveling with the insured
  • Journey of an immediate family member
  • Emergency return Home after the death of the close relative
  • Repatriation of mortal remains
  • Medical assistance
  • Legal assistance
  • Pre-departure services
  • International general assistance
  • Assistance for foreign information on lost luggage and passports,
  • Delivery of medicines
  • Legal defense
  • Advance of Bail Bond
  • Hijacking in public transport
  • Loss of passport, driver’s license, national identity card abroad
  • Compensation for in-flight loss of checked baggage
  • Compensation for late arrival of baggage
  • Delayed start
  • Location and forwarding of luggage and personal effects.
  • Accidental death
  • Permanent disability
  • Personal Civil Liability
  • Travel cancellation fees

Risks not covered by travel insurance policies

Having talked about the coverages and benefits offered by travel insurance, it is also important to consider the risks that are not covered by most of these policies, as listed below:

  • Participation in criminal acts, or as a result of his fraudulent actions, grossly negligent or imprudent, including those actions of the Insured in a state of imbalance or under psychiatric treatment, costs for which they are in turn excluded;
  • Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon, any other type of natural disaster;
  • Events resulting from terrorism, mutiny or crowd unrest;
  • Events or actions of the armed forces or security forces in peacetime;
  • Wars, with or without prior declaration, and any conflict or international intervention using force or constraint or military operations of any kind.
  • Participation in bets, challenges or brawls, except in case of legitimate defense or necessity;
  • Pre-existing diseases or injuries
  • Participation in competitions, sports and preparatory or training tests;
  • Car or motorcycle races, horseback riding, climbing, pot holing, boxing, wrestling in any of its ways, martial arts, parachuting, ballooning, free fall, gliding and, in general, any sporting or recreational activity that is known to be dangerous;
  • Participation in competitions or tournaments organized by sports federations or similar organizations.
  • Dangerous winter and / or summer sports like skiing and / or similar sports.
  • Accidents at work
  • Internationally recognized epidemics locally.
  • Diseases or injuries resulting from chronic disorders or those existing before the policy start date;
  • Death or injury due to suicide or attempted suicide or self-inflicted injury.
  • Diseases, injuries or pathological conditions caused by the consumption of alcohol, drugs, toxic substances, narcotics or medicines purchased without a prescription, as well as any type of mental illness or mental imbalance;
  • Diseases or injuries caused by pregnancy and childbirth or any complication or voluntary interruption of pregnancy;

Where to buy travel insurance

Travel insurance can be purchased online – and there are many travel insurance providers to buy from. All you have to do is locate your preferred supplier, fill out the online form or questionnaire and make the payment, and the policy is made available for immediate printing or sent to your email address.

You can also purchase travel insurance offline from a local insurance company or from a travel agency. whatever method of purchase you choose, you can be sure that you will be completely protected against the insurance risks of insurable gravel.

Using your travel insurance

After purchasing the travel insurance policy, whether purchased by the provider’s online portal, at a travel agency or through a local insurance company, you must ensure that you do not forget to bring the document with you during travel. This is so important because it could be required to produce that document by the competent bodies.

It is necessary to take note in particular of the policy number (if possible, copy the number somewhere else) as it will be requested by the service providers to identify the user when he is called for assistance.

Another thing you should consider on the travel insurance certificate or the policy document are the telephone numbers of the service company you need to call when you need help. These numbers are always clearly visible on the travel insurance document, so take note of these.

You should strive to read as many documents as possible to understand the covers provided, the terms and conditions of the policy and its exclusions. And, very importantly, when you make a complaint about your policy, be honest and avoid any form of fraudulent practices.

Summary and conclusion

There are other benefits that travel insurance policies provide that cannot be thoroughly discussed here. But having read the few benefits discussed above, you will be in agreement that, in reality, travel insurance is a must for a successful journey. So the next time you’re planning an international trip, consider buying a travel insurance a top priority. It is quite accessible and anyone can buy it. The tranquility and protection that will allow you are enormous.

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