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Travel Insurance

What does travel insurance actually cover?

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Travel insurance over 70 products vary from provider to provider. Therefore, the losses they cover are not always the same.

In this post, we take a look at what your policy might cover, and what it might not.

Cancellations

Travel insurance usually covers cancellations. Cancellations occur when you need to cancel some aspect of your trip, usually because of circumstances outside of your control.

Cancellations cover cancelled tour packages, aeroplane tickets, cruise fares, and hotel rooms. Mostly, they only apply if you cancel for qualifying reasons. For instance, they might cover cancellation costs if you lose your job, get sick, or can’t travel because of adverse weather.

Some travel insurance policies will cover you for any reason, though they tend to be more expensive.

Medical emergencies overseas

Travel insurance also usually covers the cost of medical care overseas. If you don’t have this cover, you may have to pay out-of-pocket. And, depending on where you go and the medical attention you require, that could be expensive.

Lost baggage

Travel insurance often covers lost, stolen, or damaged baggage as well as compensates for any delay in receiving your items.

Emergency evacuations

You may experience a health emergency while abroad. If so, evacuation coverage helps. This cover pays for emergency travel arrangements related to your medical care.

You can activate the emergency evacuation clause on your policy if your health deteriorates beyond a certain point, usually defined by local medical personnel. Coverage may include ambulance trips to the hospital, airlifts to better-equipped facilities, and flights back home.

Please note that evacuations can be exceptionally expensive – often reaching $50,000 or more.

Phone assistance

Travel arrangements and plans can go wrong while you are abroad. Because of this, many travel insurers offer 24/7 assistance, anywhere in the world. These services can help you if you need to get medical transportation, find your baggage, or locate a lost passport.

Additional coverage

Lastly, some groups of travellers require additional coverage to protect them against losses. For instance, if you are travelling to a dangerous part of the world, you may require life insurance. You may also benefit from hazardous sports cover which covers any medical costs you incur as a result of scuba diving or sailing accidents.

Find an insurance policy to suit your needs at Compare Insurance today.

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Travel Insurance

4 must-have travel insurance plans

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Travel insurance is a must-have when planning for a trip. It protects you financially in case of medical emergencies, cancelled flights, and any other unexpected situations. It comes with several plans for you to choose from, depending on your needs, and in today’s blog post, we will be looking at different plans to help you make a well-informed decision.

Travel medical insurance

Your regular cheap medical travel insurance cover does not protect you when travelling abroad, so the only way to protect yourself from any health risks while on your trip is to take out a travel medical insurance policy. It covers any medical, dental, and evacuation costs incurred during your travels. You can purchase travel medical insurance for a single trip or multiple trips over a certain period.

Travel accident insurance

Sometimes your travel plans can take a turn for the worse, causing you to lose your eyesight, mobility, or even your life. If you are a frequent world traveller who visits risky regions, this insurance plan will cover any unexpected losses that occur during your trips. It will pay you or your beneficiary if you are seriously injured or lose your life while travelling. When shopping for travel accident insurance, ensure that you and your beneficiary read and understand the policy’s conditions and exclusions.

Baggage and personal items loss

This insurance plan provides reimbursement for damaged, lost, or stolen baggage, as well as other personal items. It covers your entire trip and not just flight-related activities. The baggage and personal items insurance policy is a must-have if you carry high-value items such as fine jewellery or expensive equipment.

Trip cancellation or interruption insurance

Flight delays are not uncommon when travelling. They can be caused by an airline labour strike, health emergencies, or bad weather. Whatever the reason for the delay is, you must be well prepared for these circumstances. Travel delay insurance covers both accommodation and meal costs while you wait for your flight.

To find the price for travel accident insurance, use Compare Insurance today.

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Travel Insurance

3 reasons why travel insurance is a must-have

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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.

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