You wouldn’t travel without your flight tickets or passport, but many of us tend to overlook travel insurance. Buying an adequate policy is the most important purchase you can make when traveling away from home. Just think what would happen if you fall sick when you’re overseas and need urgent medical treatment? What if the airline you have booked with cancels your flight? The type of policy you choose may not even necessarily be the best for you. Here is our travel insurance guide to help you decide the level of cover you should look for. Most policies have exclusions and won’t cover you when it comes to claiming. These exclusions can be strikes, riots, contagious diseases, severe weather, terrorism, and any act of war. If you fail to follow the travel advisory from your government or media against a particular country you are traveling to, you may expose yourself to unnecessary risk. This is why it is of utmost importance to ensure you take the right policy before traveling to a high risk country.
When you are covered
If you’re visiting a high risk country and an unexpected incident occurs, then need to know that you will be covered for medical evacuation and medical expenses. For instance, if you get injured during a terrorist attack, make sure you have a policy where your insurer is obliged to cover all your medical expenses. By law you are permitted to claim for flight cancellation as long as the terrorism alert happened after the issue date of your policy and not before. If your journey gets disrupted all of a sudden, you will be covered for accommodation and food expenses up to the limit of your insurance policy. By taking out a Battleface terrorism travel insurance policy, you can keep your family and yourself safe whilst visiting a high risk country.
Getting injured or becoming ill during a trip may not even cross your mind, but sometimes these things happen. Whilst you cannot predict or prevent possible illnesses or injuries that may come your way, it is still best to deal with them by planning ahead. Make sure you pack smart and take a first-aid kit with you. Here is a useful guide on what to take to a developing country.
Always read the insurer’s small print
All insurers have different rules and regulations that come with their policies. If you take the time to review the documentation, you will be able to understand the exclusions. If in doubt, just contact the insurer before signing on the dotted line. Once you have chosen an adequate policy, you can start planning your trip.
Many specialist tour agencies offer advice on the best free activities you can take part in. Whichever country you choose to visit, there are always free museums and parks to explore. If you’re traveling to the Far East, the numerous waterfalls and hiking trails can be enjoyed for free. To plan your trip in advance, simply visit the Web and note down all the local attractions of the city you will be traveling to. This is the best way to enjoy your trip without spending a fortune.