A budget that is often forgotten when we do a traveling is travel insurance. Many of us, especially the young, who go abroad far without this preparation. "Unfortunately the money," or "I'm optimistic, not going to happen," Why are some of the responses on this one bypassing obligations. Indeed, living-dead, diseased and healthy-wealthy-poor, nobody knew what and when it will happen to us. However, as a sign of affection in the family waiting at home, are we care to make them free from worry and financial burden?
In any way, it should be understood that the physical and psychological risks are real:
Illness: Who wants to get sick, but we'll never know. Especially if we are in the strange land that medical costs is expensive there. If the pain is severe and need evacuation, who would bear the costs and coordination?
Crime: theft, hurt by crime and sexual harassment are some of the worst. Do not expect it to happen, but at least after we take care to local police and the Indonesian embassy, the financial loss is irreplaceable.
Error Airlines: Often we hear that misdirected luggage or left behind. Often we also hear a delay or cancellation of trips due to the negligence of the airline aircraft, technical error or bad weather. Without insurance, most likely it is we who have to bear the financial burden.
Natural disasters: Indeed, travel insurance clearly does not support a claim based on events that can not be controlled humans such as natural disasters, but in the case of a Ejyafjallajokull volcanic eruption in Iceland some time ago, there is an analysis that can be taken: the insurance company will assess based on events secondary caused by the disaster, such as a delay / cancellation of the flight.
Accident: It was pretty clear this scenario, not only the air transport accidents but also accidents land and sea transportation. This section also covers accidents caused by activities in the course, such as might occur when swimming in the sea, or mountain climbing. Please check our insurance policy is it true that there is scope.
How much budget should be allocated for travel insurance? Many kinds, based on length of travel, and its scope. At the very least, to travel to the countries of ASEAN, it took a minimum budget of around $ 25 per person for 7-10 days. To travel to America or Europe, at least a minimum of about $ 40 - 50 for one week, up to $ 100 a month.
Always check the scope of travel insurance that we will buy. Typically, a good travel insurance scope includes:
Illness: Who wants to get sick, but we'll never know. Especially if we are in the strange land that medical costs is expensive there. If the pain is severe and need evacuation, who would bear the costs and coordination?
Crime: theft, hurt by crime and sexual harassment are some of the worst. Do not expect it to happen, but at least after we take care to local police and the Indonesian embassy, the financial loss is irreplaceable.
Error Airlines: Often we hear that misdirected luggage or left behind. Often we also hear a delay or cancellation of trips due to the negligence of the airline aircraft, technical error or bad weather. Without insurance, most likely it is we who have to bear the financial burden.
Natural disasters: Indeed, travel insurance clearly does not support a claim based on events that can not be controlled humans such as natural disasters, but in the case of a Ejyafjallajokull volcanic eruption in Iceland some time ago, there is an analysis that can be taken: the insurance company will assess based on events secondary caused by the disaster, such as a delay / cancellation of the flight.
Accident: It was pretty clear this scenario, not only the air transport accidents but also accidents land and sea transportation. This section also covers accidents caused by activities in the course, such as might occur when swimming in the sea, or mountain climbing. Please check our insurance policy is it true that there is scope.
How much budget should be allocated for travel insurance? Many kinds, based on length of travel, and its scope. At the very least, to travel to the countries of ASEAN, it took a minimum budget of around $ 25 per person for 7-10 days. To travel to America or Europe, at least a minimum of about $ 40 - 50 for one week, up to $ 100 a month.
Always check the scope of travel insurance that we will buy. Typically, a good travel insurance scope includes:
- Physical accidents - including deaths and permanent disabilities
- Transportation - cancellation or delay
- Baggage - delay, loss or damage
- On-site hospitalization during the trip and after returning home
- Outpatient
- Medicines for travel and on-site after returning home
- The cost of on-site doctors during the trip and after returning home
- The cost of evacuation ambulance (air and ground), either still alive or had died
- Replacement round-trip ticket
- The cost of pick-up by the family, including transport and accommodation
So, when planning our next trip, put a budget for travel insurance. Love ourselves and families which are waiting at home!
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