Is Travel Insurance Really Essential?
Travel insurance is highly recommended for everyone. It is the only way of ensuring that you have a backup plan should anything go amiss during your business or leisure trips. We all run into mishaps when vacationing or doing business abroad, but having the right travel insurance cover is a life saver. If you fall ill or have an accident while overseas, travel insurance can ensure that you get the best quality of care and you can be moved, either back home or to a better medical facility, if need arises.
Your health insurance from Kenya may not cover you if you’re traveling on a foreign-flagged vessel. This is because in many countries, medical treatment for foreigners is expensive. Travel Medical Expense Coverage will set you straight for accidents and emergency medical and dental care whenever you travel abroad. This way, you are not liable for your cost of treatment, or that of your family members.
On the other hand, Emergency Evacuation Coverage caters for emergency evacuation expenses such as airlifts on medically equipped flights back home. Under this coverage is also ambulance transport to the hospital in your country of travel. These expenses are usually overwhelming without insurance.
Delayed flights, flight cancellations
Travel is an investment. Plane tickets, cruise fare, tour packages, hotel rooms, charter fishing boats, golf greens fees are expenses that you wouldn’t want to mess with. If these costs are pre-paid and non- refundable, you stand to lose a lot should anything go wrong. Trip Cancellation Coverage repays you for pre-paid, non-refundable expenses if you cancel your flight or reservations. All you have to do is provide a practical reason for cancellation. Reasons may be sickness, injury, death of a family member, or a traveling companion, natural disaster like floods, terrorism, bankruptcy or duty call. Trip cancellation cover sets you straight for incidents that are out of your control, so that you don’t have to spend your own money if something goes wrong.
Luggage left behind, luggage lost
Luggage delays, damage or loss can deal a significant blow to your leisure or business plans. If you don’t have travel insurance, you will be solely responsible for replacing your items. Airlines can only pay devalued values for things lost or damaged. Unless you can prove that something you lost is new, they'll only pay you a fraction of its value, and this is a may be. With the right insurance cover, however you will be compensated for all any loss or damage.
Baggage Delay Coverage provides money to buy essential items until your delayed bags arrive, such as a toiletry kit, a swimsuit, or another change of clothes.
Baggage Coverage reimburses you for your personal belongings if your luggage is lost, stolen or damaged.
Above-mentioned are only a few of the many benefits of travel insurance. With the right policy, you will get coverage for unforeseen misfortunes. You can also have access to a number of services that can be helpful in emergency situations. Most travel insurance companies offer travel assistance and 24-hour emergency services for their customers on vacation.