Travel Insurance For Long Distance Traveling

Currently, many insurance products offered to the public to provide tranquility for a customer when he was on the move. Whether on a business trip, vacation, or just a regular trip. Now, almost all insurance companies have and offer this travel insurance product. Despite the different name, it still has same goal, which is to protect yourself and your family, when we travel far.

Travel insurance is an insurance product offered to the public who often travel long distances, in both Indonesia and the world, for business purposes (business), tourism or just a regular trip.

In order to travel, we must deal with a number of risks. It could be you or a member of the family suddenly ill or suffered severe injuries in an accident. For that, it is advisable for us, before a long trip, we should prepare ourselves with insurance products such as travel insurance. Spend a little more to buy insurance products when travel far is more beneficial than not buying at all. The reason is, anything can happen. Protecting yourself with travel insurance will provide security to the families left behind.

Variety of travel insurance products offered by insurance companies offer different benefits. Therefore, premiums and collateral offered is also different. There are insurance companies that provide security for travel around the world, but a few insurance companies cover Indonesia area only. There is also an insurance product specifically for aviation (air) alone, between ports (sea) only, between terminals or between stations (land) and some of them covering the whole journey. Similarly, there are also insurance company that cover for a period of time, there are only between airports, meaning that customers are insurance protected only when he departed from the airport to the airport A to B. However, there is also a guaranteed per week, per month or per year.

Guarantees given by them are different, depending on the premium paid. The greater the premium paid and the longer the policy agreement, then the greater the assurance obtained. For example, there is no guarantee that only for the accident and death alone, and there are also other collateral in the form of health insurance, luggage, motor vehicles (if it travels by private vehicle) to the repatriation corpse.

There’s even a travel insurance that can provide security when something bad happens to her policy holders of robbery in the middle of the road before reaching the destination country. The more coverage provided, the better for policyholders.

With the diversity of benefits offered, it will be more complete, if the home, family and possessions we leave behind is also equipped with insurance products, such as robbery insurance, earthquake, life, health and others. With this entire insurance guarantee, wherever we go, peace is always with us.

Travel insurance products, not only provide security or protection for its customers in terms of personal accident. There is also covering all losses incurred during the trip progresses, such as personal accident, medical expenses (medical care, including treatment) and third-party insurance coverage law.

Travel insurance provides comfort and reassurance when you are out.

Senior Travel Insurance Pros and Cons

As a senior over 70 travel insurance is a something that you should have whenever you travel alone or even when you choose to be part of a group tour. However do you really need to take a travel insurance and this really important?

In your travels there is always the risk of you getting hospitalized, flight cancellations, natural disasters occurring, you getting sick, and you losing your luggage to thieves. Having an over 70 travel insurance reduces the amount of money you are going to spend when these things do happen as you travel.

Being insured as you travel is sharing the risks mentioned above with your insurer. Hopefully, the scenarios below will help you understand the why you a senior over 70 need to have travel insurance.

For instance, as you are vacationing at a beach resort when a strong earthquake suddenly occurred and you found yourself in danger of becoming a victim tsunami. If in your policy you are insured for natural disasters, you are helping yourself and your family deal with the consequences afterward especially if the consequence is accidental death or permanent disability if this is part of your over 70 travel insurance policy.

In the recent eruption of Iceland’s long dormant volcano, many flights were canceled and travelers became stranded in various airports all over Europe. There were many travelers who did not have insurance thinking it was expensive. Still some of those who were insured found their coverage not enough for hotel accommodations simply because such a thing was not expected to happen.

It’s you and your wife’s first time visiting a non English speaking country and your passport and wallet with your money and credit cards in it were stolen. You can call your bank for wire transfer but essentially how can you arrange this when you cannot speak a foreign language? This is where your travel insurance becomes very useful.

You were traveling alone and were suddenly taken ill and had to be hospitalized? You found out your health insurance does not cover you outside of the United States, how do you take care of your medical bills then? If you are covered for this eventuality in your over 70 travel insurance policy then the insurance company will take of these things for you, if medical evacuation or being reunited with a loved one in a foreign hospital is covered so much the better right?

Your daughter who is traveling with you figured in an accident at a ski resort further you found out that medical services are not adequate in that area or they are too expensive. How can you bring your daughter home for the proper medical attention she deserves?

Perhaps you are waiting for the cons? There are no cons really, its just that many seniors do not appreciate the importance of having insurance in their travels because they do not put into consideration the number of things that could happen to them in their travels.

Mind you it is not only important to be insured, it is also important that you understand how to make your over 70 travel insurance policy work. So, before embarking on your next trip to Hawaii discuss with your insurance company what to do in cases of emergency.

Can I Afford Travel Insurance?

“Do I need travel insurance?” shouldn’t be the million dollar question you should be asking yourself when you are planning a trip or holiday – whether its seven days away in the country you live in, or three and a half months away travelling around the world.

Rather, “Can I afford travel insurance?” is the question you should instead be asking yourself. If your answer to “Can I afford travel insurance?” is “no”, then quite simply you can’t afford to go on a trip or holiday.

You wouldn’t own a house without having home and contents insurance, and you wouldn’t own a car without having car insurance. Likewise, you wouldn’t travel without travel insurance.

It’s not only a case of your luggage getting lost. What if you fell off an elephant in Chiang Mai? Medical treatment costs abroad are very high, and you are personally responsible for paying for the costs.

Unfortunate incidents can happen without warning at any time, and at any place where ever you happen to be in the world. Taking out a travel insurance policy is priceless. It gives you peace of mind.

Possible needs for travel insurance include:

• Travel Services Provider Insolvency
• Medical and Dental Expenses
• Additional Accommodation and Transportation Expenses
• Amendment or Cancellation Costs
• Luggage and Travel Documents
• Delayed Luggage Allowance
• Money
• Rental Car Insurance Excess
• Travel Delay
• Resumption of Journey
• Hospital Incidentals
• Hijacking
• Loss of Income
• Disability
• Accidental Death
• Legal Expenses
• Personal Liablity

Just with any other insurance contract, you must look at the schedule of benefits before committing to any travel insurance contract. This is because you need to understand precisely what you are covered for.

So ask yourself,”Can I afford travel insurance?” Or ask yourself in another way, “Can I afford not to have travel insurance?”

The cost of travel insurance is a small price to pay, compared to your total budget of your trip or holiday.

And if you take out travel insurance before you go away, and some unforeseen event does eventuate, it’s also a small price to pay. Imagine coming home with a $1,000,000 lawsuit against you.

There’s a wide spectrum of travel insurance products on the market. When asking yourself,”Can I afford travel insurance?” determine which option suits you best. Some of the options include: international single trip or annual multi-trip; domestic single trip or annual multi-trip; business travel insurance; winter sports insurance; backpackers insurance; cruise line insurance; and family insurance.

So there is no excuse to leave home without it. If you do forget something, just don’t let it be travel insurance.