Considering The Importance of Travel Insurance

The purpose of a vacation is certainly looking for fun. However, things are not desirable such as accidents, bad weather forced the transport at tourist sites can not move, or even lives are threatened because of rioting in the tourist, it could happen. For this reason travel insurance is required.

Andry, tour guide and owner of Pinus Tour and Travel, it has never been sick while traveling, but his client ever.

"He contracted scarlet fever while on vacation to Japan. I am a tour guide decided to take him to a local hospital. The cost of medical care and incurred very large, its may different than in other country. Fortunately we use travel insurance, so when he got in his country, we can claim the cost of replacing and all intact, "he said.

Advantages equip yourself travel insurance, according to Andry, pedestrian protection for any unexpected costs and losses while traveling.

 

To avoid the situation and conditions as experienced by his clients, Andry suggest walkers immediately enroll in travel insurance before traveling, whether for business or sightseeing.

Here are some things you need to know about travel insurance.

Things are secured by travel insurance

Basically, all companies have a travel insurance policy or company policy, which is almost the same. It is guaranteed, among other damages or accidents that you experience when traveling in a country, such as compensation for personal injury, illness, and other medical expenses.

The other thing that is guaranteed, which is the loss of the tour fee you have paid in advance due to the risk of cancellation or shortening of the duration of the trip because of a situation that does not allow to continue the journey, including assistance with the cost of accommodation as a result of hours of flight delays due to technical problems of the airline concerned, even to miss the plane flying, aircraft piracy, as well as loss, damage, or entrainment of luggage.

How to get travel insurance

Make sure the travel agency where you buy a travel package has been cooperating with the travel insurance company. Also, make sure you pay a travel package comes with travel insurance.

Although there are no regulations that require walkers to have travel insurance, it's good to remain prepared, especially if you want to travel abroad.

Furthermore Andry added, the embassy will process visa application files faster when accompanied by a travel insurance policy. "You will be considered a serious walker and professional so that the embassy would not approve visa you asked," he said.

Things are not guaranteed by travel insurance

Natural disasters, nuclear, war, and the ban on local authorities are some things that are beyond the reach of travel insurance.

So is the risk of loss of valuables, such as jewelry or money; also crash when doing extreme sports such as bungee jumping, horse riding, diving, and others.

How to make a claim

When things happen that are not required, the thing you should do is to immediately report to the insurance company.

After the trip, the insurance company immediately went to the office and follow the procedures for filing a claim: fill in a claim form fitted important documents that support the claim, such as a photocopy of flight ticket (e-ticket), the original boarding pass, copy of the front page of your passport, a photocopy of the passport on the page where the risk occurs.

If medical treatment in the local country, travel insurance agents typically have individual policies, there is a direct assistance until you do not need to claim on his return from abroad, some use the compensation system.

Process refunds usually within one week money back, and can be transferred through a bank or cash according to your request.