Now many of you might think that this list is complete but the most important item missing in this list is travel insurance. But is it important to buy travel insurance? Yes, travel insurance is one of the most essential things that you might need when travelling abroad.

An appropriate travel insurance policy can help you deal with any financial setbacks that you might face while travelling. A travel insurance plan provides coverage to you and your loved ones in the following scenarios:

• Loss of baggage (If your baggage is lost by the airlines the over-all reimbursement can be received by the travel insurance provider and the airline)
• Loss of passport (Passport is an important document, without which travelling cannot happen, if that is lost, according to your travel benefit you can file your claim for it)
• Flight delays (Flight delays can also be claimed )
• Flight cancellations (If the airline cancels the flight and you have a connecting flight that may be missed due to it)
• Hospitalization expenses (Falling ill while travelling is unexpected and undesired but if it happens, your travel insurance covers you under all-unforeseen medical emergencies)
• Medical evacuation (Medical evacuation is an option to be used in an emergency, if the situation may arise, your travel insurance covers those heavy-on-the-pocket expenses)
• Delayed baggage (your travel policy provides coverage with the delay in receiving the baggage while travelling)

Some of the insurance companies also offer features such as quick disbursement of claims, automatic claim settlement service, on-call support and many innovative travel insurance packages suiting the needs of different individuals, what one needs to make sure is that if you are travelling and you extend your travelling dates you can extend your policy by emailing/calling the provider to generate the policy extension request, you just need to produce health certificate/ fill the required form of extension of policy, your desired policy will be extended by paying the additional amount within 3 to 4 working days.
Now that you have noted the inclusions in the policy, you should also mull over the exclusions in your travel insurance policy.

What is not covered in your travel insurance policy?
Some of the general exclusions in a travel insurance policy are:

• Medical expenses incurred beyond the expiry of the policy period
• Pre-existing illnesses
• Any routine examination where there is no objective indication of impairment of normal health
• Attempted suicide or willfully self-inflicted injury or illness
• Claims made in case of injury/loss due to alcoholism, drunkenness or the abuse of drugs
• Claims made by you, if you are travelling against the advice of your doctor
• Any injury, loss, expense attributed to HIV or HIV related illnesses
• Losses due to an accident as a driver without a valid international driver’s license
• Pregnancy and related conditions like miscarriage, childbirth and abortion
• Any injury or loss due to involvement in adventurous/dangerous activities
• Experimental treatments
• Your self-carried baggage
• Partial destruction of your baggage
• Loss or damage to your passport as a result of the confiscation or detention by customs, police or any other authority

While these are some of the basic exclusions in your travel insurance policy, we recommend that you read your policy document in detail to understand your coverage’s and exclusions to avoid any inconvenience at a later stage like filing a claim, renewing or extending the policy.

Khurram Zahid

The post What is not included in your Travel Insurance Policy? appeared first on Smartchoice.pk.

Traveling Improves Your Health it cut down’s on stress, to lower chances of developing heart disease, the health benefits of travelling are huge.

It helps you learn about yourself. You might run into challenging situations where you need to be resourceful and think differently, that will develop a new set of skills that you didn’t suspect you had within you.

Who do you think people want to listen to: the guy who spent his vacations at home doing some gardening and reading the newspaper, or the one who spent a week in Cuba, driving an old American car, swimming with dolphins and tasting deliciously spicy food? I know which story I want to hear about…

“Is travel insurance really necessary? “
While it’s true that the money spent would be for nothing if all goes well, it’s also accurate to say that travel insurance is designed to be a safeguard against both accidents and unexpected events you never thought could happen to you. We hope you’d never have to utilize your plan but if you need to, you’ll thank the lucky stars you bought one.

“Would it go to waste, if no claims were made?”
The mentality many people seem to have is that “bad things will never happen to me”. Nevertheless, you wouldn’t want to regret not buying protection, but you also wouldn’t want to pay for something if nothing unfortunate happens and no claims were made.

Let’s consider a few risk possibilities that you may need travel insurance for:
Like everything else in life, you’d need to think about the financial implications if something disastrous happens. Here are a few situations for you to decide, in case you’re still on the fence:

Before the trip
You’re all packed and ready to fly; this is the vacation you’ve been looking forward to all year. You get to the airport only to find that your flight has suddenly been delayed, or worse, cancelled. What’s going to happen to your hotel reservation and booked tours?
This is a common glitch nowadays. In all the cases, you will be either reimbursed or refunded a certain amount as per the Jubilee General Insurance policy schedule.
In case of illness at the eleventh hour or sudden death in the family can affect your plans. Suppose you need to cancel your travel plans. What happens to the money you spent on the air ticket and hotel bookings? It does not get wasted. Your Jubilee Travel insurance will reimburse you the unused hotel cost and travel tickets. In the case of a delayed flight, you Jubilee travel policy will cover additional expenses. This may include an unplanned night stay at a hotel and food, among other things.

During the trip
You’ve managed to sort through the pre-departure fiasco, only to find upon your arrival at the destination that your luggage bags have been stolen/are missing. Contained within the bags are your travel documents and a stash of cash. Worse, you accidentally lose your passport while overseas.

How are you going to survive the rest of the trip? Be it a worst case scenario you can imagine while travelling, But if you have travel insurance, you have help at hand.
In case of a lost passport, your insurance will reimburse the cost of acquiring a duplicate or a new one. In case of missing belongings, you will be compensated for your loss up to an approved sum; while if your baggage gets delayed, you will be reimbursed for the personal effects that you might have to buy for the meanwhile. This can be a huge help as you wait for your baggage to turn up.

Medical emergencies
You’ve somehow coughed up enough cash to continue your journey despite the initial setbacks. During one of the tours, you become very ill or slip and break a few bones. Where are you going to seek emergency medical aid and find the funds necessary to pay for it?
There is a wide range of packages from Jubilee General Insurance out there that cover medical expenses, with a variety of different deductible options to choose from. If by any means you end up in a hospital paying to see a doctor and receive medical treatment in a foreign country is one thing, but having to pay for an overnight stay at the local hospital is an entirely out of this world experience/expense. Travel insurance by Jubilee General Insurance for as low as PKR750 you can get hospital coverage for $10,000 that can help you avoid these expenses in the case of the unthinkable happening.

Emergency medical/emergency evacuation:
If a medical condition requires you to be transported from the scene of incidence to the nearest hospital, you don’t have to worry about the expenses. If you are already admitted in a hospital and need to be taken back to your country for further medical help or to be with your loved ones, your travel insurance will take care of that too providing/ ensuring an emergency return to be smooth and hassle-free.

To conclude
If you’re already spending big money on that vacation, travel insurance is another purchase you’d want to consider, plus it doesn’t cost a hefty sum of money to ensure you have complete peace of mind. With Jubilee General Insurance, you’ll not only be protected against unexpected financial losses, but you’ll also ensure that the well-being of people you care about the most is secured. As a responsible adult, it’s worth it to be prepared, so head on over to our handy travel insurance page to get the latest quotes on Jubilee General Insurance, right at your fingertips!

An important tip that when you are going anywhere on a trip, be it for studies, vacation or work, the last thing you want is not being able to enjoy the trip because of any problems. Not only can they spoil the trip but can also cost you a lot of money. So it’s sensible that you travel with insurance so you, your family and your plans stay protected.

It is why a travel insurance policy is important, You could be on a domestic or an international holiday, A travel plan will ensure nothing spoils your perfect vacation.

“It’s really that simple. If you’re leaving Pakistan, travel insurance is just as essential as your passport.”

There is (yet) another one by Mark Twain: “Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did do.” Cliché as this may sound, the money you spend on travel, is an investment in yourself.

Khurram Zahid

The post 5 Reasons to Get Insured before you Travel! appeared first on Smartchoice.pk.