As much as we plan and look forward to our vacations, things can still go wrong. Flights get delayed, luggage gets lost, and accidents happen. Murphy's Law, right? But here's the thing – you can take steps to protect yourself from these unexpected misadventures, and one of the best ways to do that is by purchasing travel insurance.
In this post, we'll talk about why travel insurance is important, what typically gets covered, and some key elements you should look for when buying a policy.
Why is Travel Insurance Important?
Simply put, travel insurance helps protect you from financial loss if something unexpected happens during your trip. Depending on the policy you choose, it can provide coverage for things like trip cancellation, delay, and interruption, as well as emergency medical expenses, evacuations, and lost or delayed luggage. And speaking of evacuation, did you know that if you get sick or injured and require medical attention while travelling, you could be on the hook for tens of thousands of dollars in medical bills? Travel insurance can help cover those costs, which can be a total lifesaver.
When embarking on a journey with India Dreaming, we require that travellers have travel insurance and we strongly advise obtaining a comprehensive travel insurance that covers essential aspects such as:
24hr assistance
trip cancellation
flight delays
lost/stolen or delayed luggage
medical coverage, including protection against unforeseen circumstances like Covid-19.
Finding the perfect coverage: like choosing the right outfit, but for your insurance needs!
Choosing the right insurance policy depends on your specific circumstances. The Finder website provides comprehensive information on what is covered and, more importantly, what is excluded. Did you know that some policies may not cover accidents that occur while riding a moped? Consider your needs and evaluate the offerings of different policies. Is $15,000 luggage coverage necessary for you? Having repatriation assistance can be valuable when traveling in countries with uneven footpaths, as a fall resulting in a broken ankle is a possibility. That's why India Dreaming recommends insurance policies that cover at least the top 5 points mentioned above.
There's lots of options
When it comes to selecting the right policy, the choice is ultimately yours. However, we can provide you with several options to consider. We suggest exploring websites that offer comparisons of various travel insurance coverage options. This will enable you to make an informed decision based on your specific needs and preferences. Additionally, some of the listed comparison sites may offer discount codes for different companies. It's important to note that not all comparison sites review the same insurance providers
Set out below are some of the better known Australian travel insurance providers that you might like to consider.
Travel insurance is available from a range of providers, including health insurance companies, credit card issuers, state car assistance companies like NRMA and RACQ, as well as specialized travel insurance businesses. Many of these policies are backed by reputable insurance companies such as Allianz, Zurich Insurance, Pacific International Insurance Pty Ltd, and Lloyds.
While it may seem like an unnecessary expense, travel insurance can actually be a lifesaver if something goes wrong during your trip. From cancelled flights to lost luggage to medical emergencies, travel insurance can help you recover financially and get back to enjoying your vacation. Just be sure to read the policy carefully and choose one that offers the coverage you need at a price you can afford. With the right coverage in place, you can relax and indulge in your dream vacation without worries. Happy travels!
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