Do You Need a Travel Accident Insurance?

by Lucille Green

When traveling abroad, either in connection to your work or in connection with your studies, in most cases, even if your trip is for pleasure, it is advisable to get a travel accident insurance policy covering international travel. Today’s travel accident policies are also used to protection lost or stolen luggage, delays, personal belongings as well as the usual medical emergencies including urgent evacuation.

Initially, a little background knowledge of what’s around in the market place to cover travel and medical indemnity is going to be a worthwhile effort on your part especially to have the knowledge that you are covered for al eventualities. Contrary to popular belief, travel agents are not generally knowledgeable on travel and medical protection details so when you are looking into your travel accident insurance, it would be a good idea to bear this in mind. In your search, don’t forget online consumer and comparison sites that do all the research for you, so all you have to do is choose the best policy for your needs.

A good travel policy will cover most situations not just a few that may be part of a personal health plan so it is not a good idea to rely on one of these even if you have one. Your travel protection should cater for other troubles as well such as your baggage being lost or stolen, including personal effects, in addition to medical assistance that may need a special flight or other transportation.

Other situations where your luggage is delayed should also be covered by the plan as well as fully comprehensive twenty-four-hour emergency medical aid. However, some of the salient features of the travel medical protection schemes are that each and every such scheme should have a hospital indemnity benefit of at least one hundred bucks per night for those going outside America and Canada.

Unfortunately, it is sometimes necessary to make an indemnity claim owing to an incident on vacation and it is essential to contact the travel indemnity company at the earliest opportunity. On your return, provide all the requisite information to support the claim, including original medical or police reports, declarations, receipts, valuations, or other evidence of ownership.

By working with your medical protection provider, there is a good chance you can eliminate most of not all the possible risks and a better opportunity in walking out of that foreign hospital with the peace-of-mind that you are not going back home without all your valuable functioning organs. Don’t leave buying your travel accident insurance until the last minute because this could end up causing troubles later on if you haven’t made sure that it is suitable for your trip and just when you need to use it you may find it does not cover your situation.