Travel insurance is becoming quite relevant these days. There has been a major spike in travel in the recent past increasing the importance of travel insurance. While you plan your trip down to the very last detail, it is also important that you prudently take into account what can actually go wrong. Going to an unknown country that has a different language, culture and customs from your own can come with its own risks. Thus, it’s important to have travel insurance. Below are some of the myths that might be preventing you from getting a travel insurance.
Insurance is needed only for the adventurous
You may be a daredevil with a knack for adventure or someone who just likes to chill by the beach with a book. But there are certain risks involved in doing so. For example, the climate and adjusting to a new environment can make you sick so it is better to have an insurance that takes care of mishaps like these by providing medical coverage to deal with medical expenses.
All travel policies are the same
Each policy has its own features and benefits. You would be mistaken to think that all policies offer the same coverages without understanding the nuances between their offerings. Some travel insurance policies offer great coverage while some provide quick reimbursements, among many other features.
Travel insurance can be very difficult to claim
It is true that not all claims are valid and payable but a large number of legitimate claims are paid. The key factor here is that you need to buy the insurance from a reputable company and also submit all the original proofs required.
Travel insurance is not needed if you have health insurance
While your health insurance is valid in your country, it is not applicable in foreign countries. Travel insurance is.
If it’s a personal emergency, my booking will be refunded by the airline
Unless it’s a refundable ticket, airlines do not give your money back when you cancel. It is, therefore, better to have travel insurance so that your ticket prices can get compensated for in case of flight cancellation.