Travel insurance can be defined as a special type of insurance which is meant to safeguard you against accidents or financial losses that might occur during your travels internally or outside the country. Most people are not aware of this type of insurance and tend to undermine it as being an unnecessary expense that can be avoided. Generally travel insurance is purchased when you’re about to make a trip or buying tickets for travel.While many people might see it as an unnecessary expense, for those people who are frequent travellers it might not be a bad idea to get travel insurance. This is particularly relevant if your travels are taking you to a different continent and to countries where conditions may not be as stable and reliable as your home country. In such cases, you can get travel insurance as an extra safeguard for your trip abroad.There are several risks or accidents that could be covered by your travel insurance plan depending on the one you chose. Most insurance plans do offer coverage for sudden illnesses or medical emergencies, cancellation charges for last-minute cancellation, missed flights, stolen luggage etc. For further coverage you might want to discuss the details with your company. There could be coverage for travel to countries that might be dangerous to travel in or for kidnapping and other unforseen incidents.Whether or not you need travel insurance is ultimately your choice to make but it would be a good idea to understand why you should be a candidate for travel insurance. If your flight is cancelled, certain cancellation charges ensue. Your insurance covers that. In case of a loss of your wallet, passport and other papers, you can get your money and a passport made in a hurry. If you meet with an accident in some remote area with no suitable medical help, your company is responsible for getting you out of there. When going on a cruise or a vacation, the tour is cancelled and you are forced to bear the losses; your company will cover your losses for you. If you lose your luggage in your travels and it contained some expensive stuff that you bought on your trip abroad, you’re covered.All these reasons and more have made people take an interest in purchasing travel insurance for their trips abroad and within the country. It is advisable to choose only the coverage that you need for the trip you’re making. Lower coverage means lower rates. There are a number of options available for travellers of all kind.
Whether for business or pleasure, travelers planning a trip outside the country should remember to set aside some time in during their plan-making to address important health and safety precautions. In fact, studies show that almost half of travelers from a developed country visiting a developing country get sick when they stay for a month or more. The guidelines and regulations for necessary vaccinations and medications vary greatly from one destination to another, and failure to receive the right immunizations could be life-threatening. To ensure the highest degree of accuracy and safety, the Center for Disease Control recommends seeing a physician who specializes in travel medicine. Usually this means a visit to a travel clinic.So first things first; what is a travel clinic? It is a medical facility that focuses specifically on the preventative care of those planning to travel internationally. At a travel clinic, patients can meet with doctors who specialize in emporiatrics, or travel medicine, and deal exclusively with travel-related health issues on a daily basis. Patients generally visit a travel clinic for a consultation and vaccination, and then again after their return for a wellness checkup.Some people might be curious as to why visiting a travel clinic would be any better than visiting their family doctor. The simplest answer is that while family doctors are trained to deal with a large range of health concerns, travel health providers focus only on emporiatrics. This means that travel medicine physicians put more time and effort into having the up-to-date information about location-specific travel health issues that you need, and since the focus of travel health is in large part on educating the traveler about disease prevention, the more knowledgeable your physician is the more you’ll learn. Additionally, travel clinics have all the vaccinations you need in stock, whereas family physicians may not always have vaccines against rarer diseases like yellow fever or typhoid on hand. Travel clinics can also provide you with the yellow fever certificate necessary for entry into certain countries requiring proof of immunization. Travel clinics’ rates are usually competitive with those of regular physicians, and most offer evening and weekend hours and even same-day or walk-in appointments to accommodate travelers’ busy schedules; such flexibility is not often a practice of regular physicians.When you visit a travel clinic, the consultation is very important. This is the time when you can ask the doctor questions and he or she will provide destination-specific information about the necessary precautions for you to take. Some good areas of focus for your consult are appropriate vaccinations and what some travel health specialists refer to as the “six Is”: ingestions (such as food and water safety), insects, immersions (waterborne illnesses contracted through swimming) injuries, indiscretions (sexually transmitted diseases), and insurance. It is essential that you share your specific travel itinerary with your travel health provider, in order that he or she can give you the most accurate information possible about vaccines and whether antimalarial drugs will be necessary. Activity plans should also be noted, as the CDC recommends rabies vaccines in many countries for travelers who plan to spend a lot of time outdoors or participate in camping, hiking or cycling. Altitude sickness prevention and water purification plans might also be necessary, depending on your destination.
The best and most precise definition of Travel Insurance comes from Wikipedia which says that it “is the insurance that is intended to cover financial and other losses incurred while travelling, either within one’s own country, or internationally.” The coverage of this insurance depends on the nature of the loss and the subsequent liability of the Insurance Company.Most people think that their ‘normal’ Life, Household goods and Personal Accident policies are enough for them, without paying additional premium for the complicated Travel Insurance, when they travel. Unfortunately, they come to know that they have been very wrong after discovering the hard way. It is not only a valid need, it is compulsory as well, when you travel internationally.Most of policies cover some specific risks and leave the rest. It is your job to read the fine print and decide whether it contains all the coverage you might potentially need. For example, a particular low cost travel insurance might insure you against any medical emergencies arising when you are away from your home, travelling. But do enquire whether they also cover the cost of evacuating you to your city, in case of worst scenarion, or cover the cost of travel of your near ones who might have to fly in to take care of you, when you are sick.There are many clauses and you need to get several quotes from various insurance companies, before you judge what is best for you. The best resource remains the internet and once you make up your mind, online insurance is the best bet to save your time and cut back on the cost of huge agent commissions. The insurance industry in UK is a bit complicated and you need to read a lot before you figure out what and what not your “free” travel insurance along with credit card of capital a/c includes. More often than not, you will find that the best and comprehensive coverage rarely comes under the tag of “cheap travel insurance” But in the long run, peace of mind is the most precious commodity and any cost for this elusive entity is justified.