While travelling in overseas country is an enjoyable experience, many travellers tend to neglect the importance of having a travel insurance especially the younger people, thinking that nothing could go wrong and everything is going to be fine. However, risks are always present and there will be times when these risks are beyond our control.
Below is the list of common risks that might occur to you during our travel experience:
1. Cancellation/Postpone of flight/Travel Misconnection
There may be times, due to unforeseen circumstances, that results to cancelling or postponing our trips. Such example could be a recent death of your family member at home, or cases like the bombing incident in Bangkok, where it might not be a good time to travel. It will be a loss if you are not able to get the refund. However, travel insurance allows for such trip cancellation or postponement Hence, it will not only save your worries but also save your money. Besides that, there is also compensation for travel misconnection, if the flight is delayed exceeding 6 hours.
2. Medical coverage
Despite having different climates in different countries, some people have a hard time of adapting the change of weather and may fall sick when they arrive at their destination. Travel insurance has medical coverage for medical expenses incurred overseas. The recent MERs case in Korea could be an example of an unforeseen risk that if struck upon, may need to seek medical attention immediately and it will definitely be costly.
3. Stolen/damage items/loss of travel documentations
Do you know that there are many professional pickpockets around you, they are fast and could steal your stuffs before you even know it. Imagine your valuables or even worst, passport is being stolen during your holiday trips. It will be difficult to deal these kind of situation. Rather than just enjoying your holiday, you end up spending more money to replace the items you have lost.
4. Baggage loss/Delay
Misplaced or delay of baggage happens all the time with most airlines and it is certainly not a happy situation to be in. In the worst case scenario, some of our baggage may get damaged.
5. Accidental damage/injury
Travelling is fun, however there is a risk that we may tend to get ourselves injured due to incidents like traffic accident. Traffic in overseas countries may not be as friendly as those in our own country and risk of accidents are always there and unavoidable. While trying to be careful is one way of reducing your risk, some accidents may just be unavoidable / unpredictable.