Is Travel Insurance Worth It and What Should a Good Travel Insurance Policy Include?

 

Travel insurance is a type of protection for your trip. It ensures that you will receive compensation for any unplanned expenses due to medical emergencies abroad, loss of personal items while travelling, for missed or delayed flights, or in case you have to cancel your trip.

So, if you get into an accident or become ill while you’re in a foreign country and have to get medical assistance, then your travel insurance will cover the cost of your medical bills.

If you have to cancel your trip for some reason, then your travel insurance makes sure you don’t lose all your money. They will reimburse you part of your pre-paid expenses, such as accommodation and flight.

If you lose your luggage or it gets stolen during your travels, then your travel insurance will reimburse you for the cost of lost items.

You can get even more coverage, such as repatriation or emergency evacuation, where your insurers cover the costs of you having to evacuate a foreign country.

Some countries demand that you have travel insurance so that you can pay for your medical expenses. In some cases, healthcare is really expensive, and tourists leaving without paying their medical bills can put a strain on the hospitals.

What Should a Good Travel Insurance Policy Include?

A good travel insurance policy should cover any medical emergencies which may happen abroad, as well as protect you against financial loss. You can customize it according to your needs, but a basic policy must always have the following features:

•        Medical emergencies coverage

•        Trip disruption (cancellation, delay) coverage

•        Coverage for loss of personal belongings

•        Coverage for emergency evacuation or repatriation

Schengen Visa Itinerary provides three types of services: Flight Reservation, Hotel Booking and Travel Insurance. You can use one of the services, a combination of two of them or all three, if you need so. In addition, you have the opportunity to choose between getting the service delivered within 6 hours or 24 hours. 

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