Are you thinking of traveling? Surely you already have in mind where you want to go, flight options and accommodation. But perhaps you’ve forgotten a very important and final thing so that you won’t have to worry about anything during your trip: travel insurance.
It’s always important to think about the problems and possible accidents that may occur before or during the trip, and the best thing about travel insurance is that they’re not expensive, don’t require too much logistics and they adapt to your preferences and your trip! What more could you ask for?
What are the benefits of having a travel insurance?
Some people say that “it’s better to have an insurance and not needing it than to need one and not having it” and we couldn’t agree more. Travel insurance will help you in case of misfortune besides being super easy to get and cheap. Let’s take a look at some advantages:
- You would be saving time and money
Did you know that in some countries, a visit to a hospital could cost you more money than buying travel insurance? In fact, in the United States you could pay up to $4,000 to spend a day in a hospital, and buying travel insurance would only cost you around $130. Also, if something happens with your trip (changes of plans, flight delays, cancellations, among others) you can always ask for a refund of the not-used services.
Not only that, having travel insurance will facilitate various travel arrangements (even the ones related to incidents with airlines including loss of your luggage). Your travel insurance will be responsible for carrying out the necessary procedures, as well as contemplating coverage that will help you financially in this type of case.
- Quality medical care
The best thing about having a travel insurance is that you can receive quality health care without spending hours and hours waiting, no matter where you are. And most importantly: no additional costs. Regardless of what happens to you (a simple cold or a major accident), you’ll always be treated by excellent doctors in the best health centers.
- You will be protected 24 hours a day, every day of your trip
In this matter, your travel insurance is similar to any insurance you have in your country of residence. That is, you can count on a 24-hour assistance service if you wish, and your insurance company will be in charge of helping you to resolve any incident related to your trip.
- Adaptability: there isn’t just one type of travel insurance
As you read, there are different types of travel insurance that can accommodate your needs and preferences, as well as adapt to the time you choose. The most common insurances are: annual travel insurance, sports insurance, student insurance, and pet insurance.
Is it mandatory to have travel insurance to visit some countries?
Yes. There are countries that require the purchase of travel insurance that covers medical assistance and repatriation. Such are:
- According to the law, all foreigners who enter the country must have international travel insurance valid in Ecuador and cover their entire stay in the country.
- The travel insurance that you have to have in Cuba must cover medical expenses, repatriation, and 24-hour assistance.
- Russia and Belarus. Beyond the fact that it is obligatory to have a valid visa for the planned stay period, you are also required to contract travel insurance that has medical coverage capable of dealing with any contingency, as well as repatriation.
Having travel insurance is a necessity rather than a preference. By having one you will be protecting yourself and your family from any possible health incident, loss of luggage, including cancellation of the flight and re-planning of your trip. In addition, by purchasing one of these insurances you would be saving a lot of money, without mentioning that you can choose which type of insurance suits you best and which company can help you in the process.
Acquiring a travel insurance will guarantee that you can access professional and quality care in case of accidents, and in some countries, it’s even mandatory. So, don’t hesitate and look for the insurance that best suits your trip.