Travel Insurance FAQ
Need some help understanding travel insurance? Let’s take a look at some of the frequently asked questions.
Why Is Travel Insurance Important?
Like other types of insurance, having travel insurance can be a safety net for you. Common travel mishaps, such as missing baggage, trip or flight cancellation, injuries or illness while you’re travelling, and other unwanted situations, are covered by the insurance. Travel insurance can help protect you against any financial risks and losses that could occur when you travel. With travel insurance, you don’t need to think about hospital bills, damage to your possessions, or the extra costs of a delayed flight since the insurance will help you pay or compensate you for such situations.
Key Points
- Travel insurance can protect you against any risks that may ruin a trip.
- Travel insurance will cover you for certain unexpected circumstances that can occur before or during your trip.
- Single and multi-trip travel insurance generally offers similar basic coverage.
What Coverage Does Travel Insurance Offer?
Travel insurance will cover you for certain unexpected circumstances that can occur before or during your trip. Many people don’t realise that travel insurance is necessary until they face a critical situation during their trip. As much as we don’t want to think about bad things, accidents and unexpected situations could happen at any time. With travel insurance, you don’t have to worry about these unwanted situations and the financial consequences that they bring. In general, you will be covered for the following things:
- Emergency medical evacuation
- Medical expenses
- Accidental death and dismemberment
- Lost, stolen, or damaged luggage
- Lost of travel documents
- Trip interruption
- Trip cancellation
- Flight delays
- Flight cancellation.
Will I Get a Refund If My Trip Was Cancelled?
The answer depends on the reason the trip is cancelled. If your trip is cancelled due to covered reasons, such as a family member getting sick, you can get a refund for the pre-paid expenses. The reasons for cancelling and receiving a refund differ by the type of policy you purchase. Typically, insurers will give you a refund if the reason you cancel your trip is covered by the policy. Suppose you need more information about trip cancellation, you can check our Travel insurance that covers you for the holiday cancellation article.
Travel insurance can be your best friend during a trip.
Can I Get Travel Insurance If I Have a Pre-Existing Medical Condition?
Some travel insurance policies or providers may refuse to cover pre-existing medical conditions. This means that if you need to be treated or hospitalised due to a pre-existing medical condition while you’re travelling, you may have to pay the bills on your own. However, some insurance providers may provide coverage for pre-existing medical conditions for an extra fee.
Get travel insurance and unlock yourself from worry, make your trip more enjoyable as you can indulge in new experiences.
Should I Choose Single or Multi-Trip Travel Insurance?
Single and multi-trip travel insurance generally offers similar basic coverage. However, there are several differences between the two. Single-trip travel insurance is suitable for people who only travel once or twice in a year. On the other hand, multi-trip travel insurance allows you to travel as many times as you want within a year. Both has their own pros and cons. If you want to learn more, make sure to check out our “single vs multi trip travel insurance” article.
How To Make a Travel Insurance Claim
The following are the documents you need to prepare to file a claim:
- Claim form – You can contact the insurer for the form or download it directly from their website.
- Evidence – You need evidence to support your claim, such as medical expenses form, police report, airline’s confirmation letter, etc., depending on the reason to file a claim.
- Copy of your passport