baggage delay – CompareInsurance.ae Blog

The hardest part of purchasing travel insurance is knowing which type of plan to choose. You’ll find a wide selection of protection plans from various providers at different costs, making the process hectic and overwhelming. To help you decide, here are four of the most common types of coverage.

1. Travel medical insurance

This plan covers expenses for medical emergencies such as accidents, evacuations and repatriations. For example, if you get injured while horseback riding, a travel medical insurance plan pays for transporting you to the nearest hospital.

When purchasing travel medical insurance, it’s vital to ask your provider what’s covered. Some insurers don’t cover certain recreational activities, especially adventure or competitive sports.

2. Trip cancellation, interruption and delay

Most companies don’t offer refunds on prepaid services, and this is where a trip cancellation policy comes in handy. Generally, this cover reimburses you for non-refundable expenses for reasons outlined in your policy.

For instance, if you have to cancel a trip due to illness and this is a covered reason, you’ll get back the full amount for any booked flights or accommodation. Other trip cancellation reasons providers will cover include:

• The death or illness of a family member who’s not travelling with you
• Natural disasters, e.g., if your flight gets delayed due to harsh weather

However, you can get additional coverage by purchasing the Cancel for Any Reason policy at an extra cost.

3. Baggage and personal belongings

This cover reimburses you for personal belongings and baggage that’s stolen, lost or damaged during your trip. Although your homeowner’s or renter’s insurance may cover personal belongings while you’re travelling, it may not provide the right level of coverage.

You’re better off purchasing personal belongings coverage to cushion yourself from financial losses during your trip.

4. Rental car coverage

If you plan on renting a vehicle during your trip, it’s advisable to get rental car coverage. This will cover any repairs if your car gets damaged in a wreck, natural disaster, or by vandals.

Unfortunately, your rental car coverage may not include liability insurance, which covers the damage caused to other cars and medical treatment for other injured parties. So ask your insurer what they cover.

Search Compare Insurance today to find the right international travel medical insurance plan for you.

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If you enjoy travelling and are planning a trip, you must get travel insurance. We cannot stress enough how important it is that you buy insurance, especially if you are travelling overseas. The last thing you want when travelling for leisure is to miss a flight or get sick and not have the resources to deal with these kinds of problem. Here are some of the reasons why travel insurance is a must-have.

Medical emergencies overseas are very expensive

There is very little you can do to avoid getting sick. It just happens. Sometimes you may need to visit a hospital, but healthcare in other countries is costly and can cost you thousands of dirhams. When your travel insurance has medical emergency benefits, then the insurance company will reimburse you for any losses incurred due to medical and dental emergencies. It also caters for emergency transportation to a medical centre and the cost to bring you back home following a covered illness or injury.

It covers minor mishaps

It is not unusual for a flight to get cancelled or delayed. This could disrupt your entire travel plans, especially if you had a connecting flight. Travel delay benefits cover all additional travel and accommodation expenses as well as any lost prepaid costs caused by a flight delay of more than six hours. If your insurance package has baggage delay benefits, you can also get compensated for the additional purchase of essential items in the case where your luggage is delayed for 24 hours or is misdirected by a common carrier. Including such benefits on your insurance plan will ensure that you have a stress-free experience.

It is affordable

With so many options in the market, you have no excuse not to have travel insurance. After booking your flights and accommodation, you probably don’t want to spend any more money but, travel insurance worth one thousand dirhams can save you from incurring costs worth tens of thousands. Our company helps you get the best deals for the most competitive prices in the market. We help you compare rates from various insurance companies, making sure you get the best deal money can buy.

Photo: Free image by Pixabay