“Don’t Dig Your Own Grave – Rather Dig Out What It Covers and What It Does Not”
It’s not new when you plan outing and you go on a bender stuffing. What surprises is when you don’t spend enough time to go and shop right travel insurance and put it in your bag. If you do so, well done! If you don’t, then its better you go an extra mile and figure out whether or not your insurance cover the benefits you are likely in need of during tour.
It’s very obvious that travel insurance is not at all a matter of luxury. Drawing your own conclusion is foremost important to ensure timely and adequate health care services and protection against other misfortunes all the way through your trip. Nowadays, travel insurance is not just next of kin of health insurance; there are piles of benefits many carriers tender. It may happen that a particular thing is being covered by your policy but you don’t avail because don’t know that. Therefore, it’s wise to be acquainted with the things covered and not covered in your travel insurance.
Things Covered In Travel Insurance:
1. Overseas health care services needed during covered trip, but those essentially arise out of an independent event or emergency.
2. Missing or stolen or broken belongings and even important documents like your passport and/or travel tickets.
3. Cover against trip cancellation or interruption.
4. Extension period - if circumstances beyond your control result in considerable delays.
5. Personal liabilities that you owe to third parties on account of any accidents or injury you cause to them.
Things Not Covered In Travel Insurance:
1. Pre-existing medical conditions.
2. Sports injuries.
3. Medical tourism or trip with intention to get health care services from abroad.
4. Physical and/or financial loss due to wars or social chaos. Still it may cover losses against terrorist activities.
5. Non-refundable extent on trip is given up for lost by tour operator and not by you.
Apart from the things cited above there are further benefits expensive insurance plans endow with. Whichever plan you may think is good and go-well with you do ever forget to delve into the list of things covered and those excluded from it.