Your dream trip can quickly become a nightmare without travel insurance.
Thailand is one of the top tourism destinations in the world. You might think that since Thailand is a tourist-friendly country, you won’t need travel insurance. However, unwanted situations can happen anywhere, at any time, no matter how safe you think your destination is. Common mishaps such as luggage loss or flight delays can have a considerable effect on your trip. Therefore, having Travel Insurance is essential for your holiday in Thailand. With travel insurance, you will always be protected if something unwanted happens. It assures you that you have a safety net if you face any financial risks and losses.
Still feeling apprehensive about getting travel insurance? Below are some reasons to purchase travel insurance:
There are various travel insurance options you can choose to suit your needs and budget. Below are some of the options:
Single Trip Travel Insurance As its name suggests, single trip travel insurance is a type of travel insurance that protects you for one trip to Thailand. It’ll cover when you leave home, travel for a time, then return home, such as a one-time vacation, a single business trip, or a cruise trip. Also, there is typically no age limit to this type of travel insurance, making it a good choice for those over the age of 60 years old.
Annual Travel Insurance If you go on more than five separate trips a year, an Annual Insurance policy is perfect for you. This type of insurance provides coverage for your travels for an entire year, no matter how often you travel. Frequent travellers will benefit from this type of travel insurance, as it saves you time and money with unlimited coverage. You don’t have to go through the hassle of applying for travel insurance every time you plan to go on a vacation because you are covered for every trip you make during 12 months.
Group Travel Insurance Group Travel Insurance is a type of travel insurance covering a group of people travelling together. This means that your entire group is covered under one policy. It usually covers a minimum of 5 people, so you and your group don’t have to worry about getting individual travel insurance. Having travel insurance for the whole group rather than each person getting an individual policy can save money and time. It’s hassle-free and easy since all your members are covered in a single policy and premium, whether you plan a fantastic holiday in Thailand with your friends, a wedding trip with your family, or going on a business trip with your colleagues.
Common mishaps such as luggage loss or flight delays can have a considerable effect on your trip. Therefore, having Travel Insurance is essential for your holiday in Thailand.
It is best that you purchase travel insurance before you depart for Thailand. Some travel insurance companies insure you after you start your journey. However, most travel insurance with trip cancellation cover will protect you from the time you purchase your insurance. Therefore, you should buy travel insurance at the same time you buy your tickets.
Don’t let anything stop you from exploring new experiences. Get travel insurance and fully enjoy on your unforgetable Thailand trip.
Before purchasing travel insurance, there are several things you need to consider in order to make sure that you get the best coverage to suit your need. Let’s take a look at some of the most important factors to consider.
Coverage The most important thing you need to understand is what the travel insurance covers. The most important coverage is medical covers. However, it’s important that you consider coverage for other things too. For example, if you plan to try scuba diving while you’re in Thailand, make sure that the travel insurance covers you for it. Below are the most common covers that travel insurance offers:
Exclusions While travel insurance can cover you for a lot of essential things, it’s important to remember that it won’t cover you for everything. That’s why it’s so important that you read the fine print. Here are some of the things typically excluded from travel insurance:
Conditions Each travel insurance policy comes with conditions. Some of the most common conditions are as follows:
Requirements Not everyone can buy travel insurance. Most companies only offer it to those who are younger than 70 years old. Furthermore, if you are from a specific country, travel insurance companies can refuse to cover you. As a result, it is best to inquire about the insurance company’s age and region requirements when purchasing travel insurance.
Making a travel insurance claim is a pretty straightforward process. First, you need to visit the insurer website or contact them to get the necessary forms. Then, you’ll need to collect evidence of your expenses, such as medical forms and receipts. You might also need to send in a copy of the police report from when you reported your stolen belongings if you file a claim for theft. For baggage delays, you have to get a letter from the airline to confirm the delay. Once you’ve filled out the forms and gathered the evidence, you can then send them to your insurer.
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