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Benefits of travel insurance

Travel insurance is very important in case unexpected events occurs. What happens if: A hurricane damages your destination? Travel insurance is one of the most important things you’ll need for your trip. You wouldn’t have a car without car insurance, a home without home insurance, and you can’t have a trip without travel insurance.

Most travelers think of travel insurance as the first type – a package plan, which is a comprehensive travel insurance policy that combines a lot of coverage options into a single plan that’s intended to cover all the mishaps and disasters that could occur on a trip. Package plans are the most common type of travel insurance sold, but it’s also the most expensive type of travel insurance – costing between 6 and 8% of a traveler’s total trip cost.

The following travelers need a travel insurance package plan: Travelers taking an expensive trip, like a cruise or safari, and want to be able to recover their non-refundable trip costs if they have to cancel the trip.

What to consider: Are you paying for the right coverage or can you upgrade/downgrade as needed to something that you’re more comfortable paying for? If you are traveling in a group for business or leisure, you could save by purchasing one group policy instead of one policy for each individual.

There are two main types of travel insurance – single-trip, which only covers one getaway, or annual multi-trip, which covers you for every trip you make over the course of a year. A single-trip policy is best for people who will only go on one holiday in a 12-month period, and can cost as little as a few pounds. Annual policies can be a cheaper option if you know you’ll be going away several times in a year.

Recent years have seen the collapse of a number of airlines and travel companies, so check the small print to see if you’re covered in this event. If you’re not protected as standard, you could add this extra cover for a fee. Before automatically including baggage cover in your travel insurance, check whether you are already covered under your home contents insurance.

We’re not superman. I know you’re thinking right now “Ok, I know what it is but do I need it?” The answer is yes. For the simple reason, you aren’t Superman or Wonder Woman and over a decade of travel has taught me that accidents happen. You may be in perfect health right now but can you say 100% you won’t get sick in the jungle of Asia or hurt climbing a mountain in Africa? Can you say no one will steal your stuff in Spain or Italy or that you won’t pop an eardrum diving in Tahiti? Can you say your flights won’t ever get delayed or canceled? No, you can’t. And that’s why smart travelers get insurance. Because, for just a couple dollars a day (depending on how long your policy is for), you’re going to get all those things covered. I hope nothing bad happens to you on the road but, if it does, insurance will cover it all. It’s more than just health coverage. It’s “something bad happened to me” coverage. It’s all-inclusive and there for you.

ประกันการเดินทางนับว่าเป็นสิ่งที่สำคัญและจำเป็นสำหรับคนที่ต้องเดินทางเป็นประจำอยู่แล้ว หรือแม้กระทั่งคุณจะไม่ได้เดินทางอยู่เป็นประจำ อาจจะเดินทางเพียงชั่วครั้งชั่วคราวในระยะเวลาอันสั้น แต่ก็อย่ามองข้ามว่าเดินทางใกล้แค่นี้คงไม่มีอะไรเกิดขึ้นได้ เพราะนั่นถือว่าเป็นความคิดที่ผิดอย่างยิ่ง เป็นความคิดที่ประมาทในการใช้ชีวิต เพราะไม่มีใครคาดการณ์ได้ว่าเหตุร้ายจะเกิดขึ้นกับใครและเมื่อใดได้บ้าง ดังนั้นเพื่อเป็นการรองรับทุกความเสี่ยงที่อาจเกิดขึ้นได้กับการเดินทาง คุณจึงควรเลือกซื้อประกันการเดินทางด้วยทุกครั้งนั่นเอง