An oversees holiday is a time of great pleasure and it seems a shame to think of things that can go wrong, but just because you are in another country there is no reason to believe that you are less likely to fall foul of one of the dangers of everyday life. Emergency theft, loss and medical are least likely to affect when on vacation, and the experience will be even more traumatic if you are not covered and have to bear the full brunt of any financial loss. Instead of seeing travel insurance as an unwelcome cost, remember that you get what you pay for peace of mind that will allow you to relax and enjoy your holiday without worrying about how you will cope if something goes wrong. Travel insurance is a vital part of any holiday abroad, if you are a fit young backpacker, an elderly traveler to enter into a group tour or a young family in a park.
If you are still not convinced, take a look at these reasons why you may need travel insurance.
1) Medical
Australian government statistics tell us that every year Australian Consulates deal with 900 deaths and 1200 cases of foreign travelers to be hospitalized. Hospitals in South-East Asia can cost up to $ 1000 per day and if the traveler has no insurance so are likely to be entirely responsible for the cost. The same government statistics point to about 50 medical evacuations per year. If you consider that you may need to pay $ 100,000 to be evacuated from the United States, you can see how important it is to be insured.
2) Loss of
The things you lose when you're traveling. Luggage gets lost at airports and wallets stolen when you are sightseeing in unknown which are not as streetwise as you would at home. As long as you have insurance coverage but do not need to be paranoid. Losing your property is always frustrating, but having insurance is the difference between a temporary inconvenience and a costly disaster that could ruin your entire holiday.
3) cancellation
Flight cancellations are quite common and extremely stressful. At least you can find around alone in an airport for hours. If you have connecting flights or transfers, the knock-on effect can be much worse - and very expensive. Even if you do not, you may find that suddenly need of a more last minute, or you might miss one or more nights already paid to your destination. Basic travel insurance and will be covered for each of these problems.
4) The acts of nature
If you get stranded abroad as a result of an act of nature, such as a hurricane or typhoon, you may be covered by insurance. If you are going to an area with a high risk of such events is a good idea to make it a priority when choosing your policy, as it is not always covered.
5) personal situation
Unforeseen circumstances in your personal life could mean that you have to cut short your trip, or even postpone it. You never know when you are going to get sick or suffer a death in the family. Travel insurance will allow you to recoup some of the costs of your vacation postponed or reduced.
Far from being a necessary evil, travel insurance is a safety net to ensure that you do not find yourself unnecessarily out of pocket because of your holiday abroad. It does not need to be expensive. There are a lot of cheap travel insurance deals available, so there is no reason never leave home without it.
Source: http://greydotcom.blogspot.com/2012/11/essential-for-overseas-trip.html
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