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15 Reasons Why You Should Have Travel Insurance

Fiza Jawaid
May 23, 2019

To maintain your peace of mind, you don’t usually entertain the idea that something bad could happen while traveling for business or pleasure. Vacations and getaways of any sort are usually idealized in our minds. While planning where you’ll stay,eat,and what activities you’ll participate in, it’s rare to think about the less-than-pleasant scenarios that unfortunately do rain on many vacationers’parades.In reality, disaster can strike anywhere in the world that you may be.Fortunately,your travels can be protected by insurance, and fortunately, an increasing number of travelers are beginning to accept this.

Here are the 15  benefits of Travel Insurance that every traveler should consider before planning a trip:

1. BAGGAGE DELAY

So you’ve landed in Thailand, but your checked bag stayed in Dubai and won’t make it to the Holiday inn Bangkok until two days from now. If you didn’t plan ahead and pack some essentials and a change of clothes in your carry-on, then you’re going to have to buy some back-ups. Keep your receipts and you can be reimbursed by travel insurance. 

2. FLIGHT CANCELLATIONS AND DELAYS

Let’s say you and your family are off on vacation. You are at the airplane terminal holding up to load up your plane when you hear an affirmation that your flight has been wiped out. When you go to the work area and inquiry the carrier worker, you find that you’re going to need to hold up until tomorrow evening for the following flight out! What do you do? On the off chance that you had travel insurance, you wouldn’t have a stress on the planet. Your arrangement would cover you for a deferral like this.

3. TRIP CANCELLATION AND INTERRUPTION

It’s one prior day you leave on your trip, and your mother by marriage abruptly passes away. You’ll remorsefully need to relinquish your trip, and all that you used on plane tickets, lodging reservations, and so on. However, in the event that you had travel insurance, your trip abrogation would mean just that you get repayment for your travel costs.

4. STOLEN GOODS

Couple staying in Malaysia returned to their chalet on a hot day to find that monkeys had jumped through their open window. Before visions of Outbreak had time to form in their head, they noticed that all of their belongings were in odd places throughout the surrounding rain forest. When the couple contacted their travel insurance company, the loss of their belongings was covered and they were able to buy new clothes. I wonder if the monkeys wore ski masks.

5. YOU GET SICK WHILE ON TOUR

You’ve had an uneventful trip in this way, yet the anxiety levels you’ve had stressing that something is going to happen is ruining the whole trip for you. Travel insurance can bring you true serenity and permit you to appreciate your vacation! Let’s face it: a hospital stay isn’t cheap. Your regular health insurance probably doesn’t cover you when you’re traveling overseas. Keep track of all those medical bills (plus any hotel stays or touring you missed while in the hospital!), and you can be reimbursed by travel insurance.

6. CAR RENTAL COLLISION

For some countries, it may be cheaper to just use the collision coverage included in your travel insurance policy than buying a separate car insurance policy. It’s important to make sure whatever policy you have covers the minimum requirements for the country you’re traveling to. If you hire a car on holiday and it’s stolen, or you have an accident, travel insurance will pay for the rental vehicle excess which could be anything up to $5,000! 

7. CANCELING FOR ANY REASON

You and your family are included in a mishap. Your girl has a seriously broken leg, however there are no orthopedic authorities at any of the adjacent doctor’s facilities of the little nation you are in. What do you do? Travel insurance covers any kind of crisis restorative forethought, including an exchange to an alternate healing facility.

8. EMERGENCY EVACUATION & REPATRIATION OF REMAINS

One of the most important benefit of travel insurance is that you and your family have just had an opportunity to appreciate this island resort for a couple of days when you hear the zone must be cleared rapidly as a result of a storm headed toward you. Everybody is apprehensive and terrified. What would you be able to do? Call your travel insurance organization and let them handle the most ideal approach to get you home as quick as could reasonably be expected.

9. ACCIDENTAL DISMEMBERMENT

If you’re in an accident and you lose a limb or your eyesight.

10. ACCIDENTAL DEATH

Self-explanatory. You never want to think about the worst possible outcome when you’re planning a vacation, but accidents do happen.

11. CREDIT CARD FRAUD AND REPLACEMENT

You’ll be reimbursed for any costs to replace your credit cards, or for any fraudulent use, if they are lost or stolen on your trip.Amazing benefit of travel insurance isn’t it good?

12. DOMESTIC SERVICES

Some insurers even offer housekeeping services if you’re injured or disabled when you return home

13.FAMILY EMERGENCY

You’re covered for your unexpected travel expenses if a close relative, or the person you’re travelling with dies unexpectedly, or is disabled or injured and needs to be hospitalized.

14. COVER FOR YOUR TRAVELLING COMPANION

If your travelling companion can no longer continue with their holiday because of injury or illness, any unforeseen accommodation or travel expenses would be reimbursed by travel insurance.

15. DOMESTIC PETS

If you’re delayed returning home from your holiday and have a dog or cat being looked after, travel insurance will cover the additional fees. Also if your pet is injured while you’re away, your vet’s bills are covered too. How pawsome is that?

These are just the number of benefits of travel insurance that a person can enjoy while opting a suitable insurance policy. However each policy available in the market is different from one another. Some policy offers efficient coverage n sufficient cost whereas some policies are not that much pocket friendly. The best way is to compare before you buy. You can always get in touch with the representative of SmartChoice or give us a call so we can assist you by providing you the best suitable policy for you and your family. See you next time until “Have a safe and sound trip”



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