Nowadays we often hear news or stories about people who need medical help overseas during their travel can’t get what they want because they don’t have enough money to get what they want to survive. Not only medical expenses, flight delay and last minute cancellation also can affect your mood and emotions to travel due to the complication. Things like this can be the reason why some people around the globe experience trauma to travel. It is because of the risk that they have to bear when an incident happens and it also lead to unnecessary emotional stress during travel. The only way for you to prevent all the stress and worry while traveling is to subscribe to a travel insurance to secure yourself. Here’s why travel insurance is a must.
- Emergency medical exp
Emergency medical expenses overseas usually is more expensive than your origin country. Usually the insurance company will also ask you to pay the expenses first with cash or credit card and you can claim the money from the insurance company. If the medical expense is not that great you probably care less about it. What if the medical expense is too high and the figure is beyond your expectation you will be care for the money and you can’t claim it at the insurance company because you didn’t purchase any travel Insurance. If you purchase a travel insurance and you have a medical expenses to claim, the travel insurance usually covers up to RM200,000 maximum and it depends on which travel insurance plan you purchased. Purchasing travel insurance plan will always be the best way for you to travel safely and with less worry if anything happens and you will not going to lose a lot of money due to overseas medical expenses.
- Delayed or Cancelled flight
Delayed and cancelled flight is the worst nightmare you can experience if you just started to travel to your destination. This kind of situation can lead to a very stressful environment even if you’re with friends or family. It is because you have to put all the burden on your shoulder for the flight ticket if the flight is cancelled, or accommodation to stay if the flight is delayed more than 12 hours. Everything will be okay if you have a travel insurance because you can claim the money you used to buy a new flight ticket, or accommodation to stay if the flight is delayed too long from the insurance company.
- Luggage Retrieval
Sometimes there will be unwanted simple incidents that happen during flights because not all airline system is perfect. The most often simple incident that occurs is lost of luggage or delayed luggage. Of course every traveler will be panic if they already arrive at the destination but their luggage not. The first thing you need to do to overcome this situation is to make a report to the airline and the insurance company if you have purchased the travel insurance plan. The insurance company will take care of the process to retrieve your luggage and the luggage is lost the insurance company will cover the luggage lost with money or anything else that equivalent.
- Protection for personal belongings
Protection for personal belongings in this situation does not mean that the insurance company can protect your belongings and 100% sure that it will not be stolen. It is the other way around where the protection means that all you belongings that have been stolen is covered by the insurance company and you can claim the money or anything equivalent from the insurance company. But there’s a few things that need to be done before you claim the money from the travel insurance: you have to do police report and bring every detail that the insurance company asked.
- Personal Liability
Personal liability in this case means the liability that you have to bear when you are involved in an accident or being sued. This is probably the most terrifying case for travelers because if you are being sued in other people’s country you have to pay the lawsuit first in order for you to go back to your origin country. Same goes if you are involved in an accident and the local person is badly injured, you’re the one who needs to pay for their medical expenses to avoid any misunderstanding with their family and friends. This case can be solved if you purchase any travel insurance because they cover personal liability. So if you are being sued when you’re overseas the insurance company will take the responsibility to solve the case. Same goes to the medical expenses for the badly injured local person that is involved in the same accident with you, the insurance company will also take care of all the process.