December 11, 2017

16 Reasons to Buy Travel Insurance when you travel abroad

16 Reasons to Buy Travel Insurance

We know travel insurance can seem like just one more expense, and many travelers ask the question why buy travel insurance and why get travel insurance?

  1. You need to cancel your trip

It covers Payment towards the non-refundable prepaid payments or the additional expenses incurred on the trip being cancelled or interrupted due to medical problems, personal employment problems or natural disasters

With trip cancellation coverage, you’ll be able to recover your out-of-pocket expenses for these covered reasons and more.

  1. Dental Care Expenses

Payment of medical expenses related to acute anesthetic treatment of a natural tooth or teeth during a trip.

  1. Overbooked Flight

Provides for indemnifying the Insured/ Insured Person  for the expenses incurred, if denied boarding of an aircraft on a commercial scheduled flight due to over-booking.

  1. Bail Bond

Law of the land is very different from your home country. Sometimes what is very normal in your country can create a big trouble to you abroad. Trust me bail bonds are very high when it comes to a bailable offense.

Travel insurance provides for payment of bail amount on behalf of the Insured if he/she is arrested or detained by Police or Judicial authorities, for any bailable offence whilst on a trip abroad.

  1. You miss your connection

You’ve planned a cruise but you discover the connecting flight to get to the ship is delayed. With the missed connection it looks like you will miss your cruise departure. How will you catch up to the ship?

With missed connection coverage, you can take another flight to catch the ship at the next port-of-call. You’ll also have assistance services to help you arrange and pay for those travel changes.

  1. You need an emergency medical evacuation

You and your family have planned a camping trip, but high in the mountains your wife is overcome with dangerously high fever. She needs immediate medical attention. Travel insurance will cover you.

With medical evacuation coverage, you can arrange safe transportation to a medical facility. Medical evacuations typically cost tens of thousands of dollars, but with trip insurance you won’t break the bank to save your wife.

  1. Home Fire & Insurance Contents

How will you manage if burglary happened in your home or it caught fire when you were travelling?

Cover against any loss or damage of the Contents at Home of the Insured, caused by Fire and Allied perils or through burglary and/or housebreaking while the Insured is on a trip abroad.

  1. A hurricane damages your destination

You saved all year for a summer vacation to Aruba, but a hurricane destroys the hotel a week before you depart. Will you lose all the money you worked so hard to save?

With travel insurance protection for weather damage, you’ll be able to recover your pre-paid costs. Travel assistance services will also help you arrange a vacation at a new location – one the hurricane missed.

  1. Your flight is canceled

After attending the family reunion, you arrive at the airport to return home and are told tornadoes have canceled all flights through Dallas. Who will help you find a new flight to return home?

With trip interruption coverage, you’ll have the money to refund the expenses of a new return ticket or to stay in a comfortable hotel.

  1. A terrorist event occurs

You’ve planned an excursion to Egypt for years, but weeks before leaving a terrorist attack occurs. The airports are closed and Egypt is in chaos. It would be unwise to travel now, but will you lose all your non refundable fees?

With terrorism coverage, you can cancel your trip without losing all the money you’ve spent.

  1. Your baggage is delayed or lost

Your special day has finally arrived – a wedding at a beach side resort. Unfortunately, the airline made a mistake and your baggage will be delayed. Luckily you’ve got the dress and the rings, but what about your other clothes, shoes, toothpaste, and personal items?

With coverage for delayed bags, you can relax. The service hot-line will help you recover your bags. You’ll also be reimbursed for the essential items you need to start enjoying your trip.

Or, you are required to speak at a business conference in Las Vegas, but somewhere in transit, your baggage is lost. Your presentation is tomorrow, how will you get ready in time?

With coverage for luggage that is lost, stolen, or damaged, you’ll be reimbursed for new clothes and personal items. You’ll can even get reimbursed for a suitcase so you can take your new stuff home.

  1. Your passport is lost

You are at a conference in London, and you realize you left your passport at a local restaurant.

With coverage for lost passports, you’ll have help expediting the process of replacing and paying for a new passport.

  1. You get sick or injured on your trip

You and your friends have planned a hiking trip to climb a mountain. With some food contamination you end up with severe stomach pains and/or a high fever. You cannot start your hike. Instead, you need emergency medical care – and quick.

With travel medical coverage, you won’t be paying a huge medical bill. Reimbursement of round trip and stay expenses of the immediate family member to visit the Insured if he/she is hospitalized for more than seven consecutive days. Reimbursement of return fare of the Insured to visit the native place in case of the immediate family member (spouse, dependent children or parents) being hospitalized for more than seven consecutive days or in the event of death.

  1. You need emergency assistance services

You and your parents have planned a trip to their home country, but on your way, the train is canceled for mechanical repairs. You don’t speak the language. Who can help you locate alternative transportation?

With trip insurance you’ll have emergency assistance services. The service agents will recover your non refundable fees, then locate and pay for transportation to get you where you want to be.

  1. Legal Expenses

Payment of legal costs and expenses incurred by the Insured towards claims from third Parties for compensation in respect of death or disablement arising due to an injury whilst on a trip abroad.

What all is covered in Travel Insurance?

Travel insurance looks like this which covers the travel insurance limits under various conditions and deductibles. It varies for all travel insurance companies. Please select one which covers your requirements more. Check your policy document for more details.

  1. Why do I need travel insurance?

Usually premium for travel insurance comes less than 0.5% of your travel trip and it gives you so much peace of mind especially when you are travelling with your family.


How to save money and find the best travel insurance

Use a comparison tool to get quotes for all plans, easily compare, and buy online

  1. Click the get quotes button below:This will take you to a insurance comparison search engine
  2. Enter your trip details: Dates, travelers, cost and other details then click the Quote Now button. Match the details with passport to avoid any claim related issues
  3. Use the tools to narrow your choice:Use the Filtering and Compare features to pick a plan
  4. Buy online:After selecting a plan, use a credit card to securely enroll online.
  5. Rest assured:Instant confirmation of coverage and 10 Money Back guarantee

300 x 250: Confirmation - Don’t Forget

Insure your family vacation with Allianz Classic Travel Insurance. Kids under 18 are covered for FREE! Get a free quote.

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