Despite being an essential thing, people avoid buying travel insurance before embarking on a trip due to some misconceptions thinking it a waste of money. Let’s debunk some common myths surrounding travel insurance so that you can understand importance of having travel insurance before embarking on a trip.
No need of travel insurance for short trip: This is a misconception that nothing will happen on a short trip. No matter how short trip may be, an accident or sudden illness can happen any time. It becomes very difficult to handle such emergencies in foreign land. In such a situation travel insurance can be of a great help.
Having health and homeowners insurance: You might already be having a health insurance policy, but the reality is that it doesn’t cover you in foreign land, whereas a travel insurance policy provides medical cover across the globe. Travel insurance also covers interrupted or canceled trip because of demise, illness or injury of an immediate family member at home before or during policyholder’s vacation.
You might also think that if you become unwell on the trip then you will fly back home and hence there is no need of travel insurance. But reality is that if you become seriously ill or faced with a major accident in a foreign land, you might not be allowed to fly back home. The airlines might need a medical certificate, stating that you are fit to travel.
Your homeowners insurance will take care of your home contents back in the country when you are on your trip. But what will you do if your travel insurance documents are stolen? Only travel insurance will reimburse expenses you incurred for the duplication of documents.
Airlines will cover trip delay: People have misconception that it is their airline’s responsibility to cover cost in case of flight delays. However, it is not in many cases. You need to incur cost for food, toiletries etc. When your trip gets delayed for more than 12 days, then you have to shell out cost from your own pocket. If you don’t have travel insurance then you have to bear these additional expenses on your own.
Buying for each trip economical: People have misconception that an annual multi-trip policy is expensive option and buying for each trip is economical option for those who travel multi times in a year. However, the reality is that annual multi-trip policies have many benefits and it also saves your time as you don’t need to buy travel insurance policy again and again.
Having credit card: Often people say that they have credit card which can take care in case of any emergency. But any credit card has upper limit of credit, which might get exhausted due to hefty medical bills. And moreover, you have to pay back to the credit card company on its due date.
Hence, don’t forget to buy a comprehensive online travel insurance plan before embarking on any trip to ensure your peace of mind. Travel insurance offers emergency assistance to ensure that you get right attention in foreign land and you also get back home safely.
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