In our experience from the many discussions with travellers and guests, the same questions often come up: Is Travel Insurance a good idea? Depending on where you are going and how long you are going for, the team at The ReviewA think it is definitely worth it. Nobody plans for bad things to happen when you are on holiday but we all know that we need to be prepared and covered for the unexpected. By taking out Travel Insurance you are essentially covering yourself against travel risks.
Tip 1: Be sure to understand your needs based on your itinerary and destination
Each policy will vary from insurer to insurer. Insurance packages can be specifically tailored to your needs in order to save you money in some unfortunate events. Depending on who you take out Travel Insurance with and the option you choose, Travel Insurance can include the following:
· Airline delays
· Missed connection flights
· Visa denial
· Baggage damage, loss, & delayed by 4 hours or more (depending on policy)
· Medical Aid protection – emergency, declared pre-existing medical condition, & other.
· Cancellation for ANY reason
· Postponement – specific reasons
· Credit Card theft, fraud and replacement
· Stolen/loss of cash or travel documentation
· Rental vehicle excess
· Natural Disasters
· Death and disability cover
· Personal liability cover
· Other legitimate reason that can be documented
PLEASE NOTE THAT AS WITH ALL POLICIES / INSURANCE COVER, TERMS AND CONDITIONS APPLY. It is imperative that you are familiar with all of the terms and conditions.
Tip 2: Check on the Hotel cancellation policy and cover yourself for any risk
When staying at a hotel, lodge or resort, you will need Travel Insurance to cover trip cancellation and interruption. This is in the event, in accordance with the terms and conditions of the insurance, that you do not go on the trip at all. Cancellation insurance will cover all non-refundable expenses.
Should you have to leave early or cancel some portion of their trip, then Travel Insurance should cover the outstanding amount due for the portion of the reservation that has not been used.
It is understandable that Travel Insurance does not cover accommodation stays that have been used and enjoyed. It is also important to note that in order for Travel Insurance to cover cancelled or interrupted hotel costs, reservation must be made prior to purchasing the Travel Insurance.
Tip 3: Be sure to speak to your travel agent to make sure the cover is right for your trip
There is nothing worse than having booked and planned an amazing holiday only to have your luggage lost or stolen, being stuck at an airport, or getting ill in a foreign country or place. It’s an unfortunate mishap that you can’t control but you can protect your trip with comprehensive Travel Insurance.
So, when planning your next holiday or business trip, research and/or speak to your travel agent who should be able to provide you with valuable insight into your destinations but also enables you to make an informed decision regarding Travel Insurance. It’s one of those things that few travellers consider and then regret not taking when it’s too late. This will go a long way to making sure that you have a great time and can relax and enjoy your trip!
Tip 4: Keeping your Travel Documentation close at hand during your Trip
You never know at what stage in your trip you may need your Travel Insurance, so be sure to keep it with you (with passports, flight tickets, etc) at all times so that you can access it easily if you need it.
Tip 5: Going cheap could cost you a lot
Insurance is always a grudge purchase. It is that seemingly unnecessary cost for the ‘What if..?’ The truth is that something could happen. What would the cost be to you if you don’t take Travel Insurance or under insure? The small Travel Insurance cost upfront could save you an incredible amount of money in the end.
Our aim at The ReviewA is to help you have the most incredible experience possible. With all of the right things in place, your trip can be amazing, no matter what!
P.S. Be sure to tell us all about your awesome experience at www.thereviewa.com… looking forward to hearing from you!