Personal travel insurance has many benefits that you do not know, let’s learn together with ViGuide to choose an appropriate insurance package.
Personal travel insurance is a type of insurance that helps you cover the risks during your trip. You often hear advice from relatives, friends or service companies that you should buy travel insurance for your trip, but do not understand the benefits that the insurance package brings.
1. Personal accident
Depending on the benefits of the package you choose, if there is an accident during the trip that leads to death or injury, you will be paid according to the contract provisions signed when buying insurance. Note that insurance will only pay a certain minimum amount from 20% for children and 30% for people over 76 years old if they have an accident.
2. Repatriation of corpses
In case the insured person dies at the tourist destination, the insurance will pay the cost of transportation to the place of residence or cremation/burial of the body. This amount will stop at the maximum amount in the insurance plan you have selected.
3. Medical transportation
If you become seriously ill or injured and must be transported to a medical facility, this is also covered by insurance. These are emergency transportation costs and incurred while in transit. The maximum amount of your insurance plan will be used, so rest assured. However, if this is a pre-existing condition, meaning that you had an illness before you bought insurance, you will have to pay for the shipping costs yourself, the insurance will not cover this part.
Photo: Karolina Grabowska from Pexels
4. Hospitalization allowance
If you travel but the illness or accident at the destination requires hospitalization, the insurance will pay for this every day, the amount of payment is within the regulations that you have signed with each insurance company. But not all insurance plans will cover this amount, so you need to read the regulations carefully before buying insurance.
5. Travel incident
Lost passport
Many of you are traveling but get pickpocketed or lose important documents such as passports, insurance can also cover the cost of issuing a new passport or travel document. At the same time, there are some insurance packages that also cover accommodation and travel expenses incurred during the passport/passport application process.
Loss of passport may also be covered by insurance. Photo: Unsplash.
Flight canceled/delayed
Due to bad weather or technical problems, your flight may be delayed for several hours or even cancel. You may also be able to get compensation from the insurance you purchased for this incident.
6. Emergency assistance
One more benefit you enjoy when buying personal travel insurance is that you can get advice on many other services such as medical, baggage services, legal services, information about trips or arrangements. buy emergency airline tickets… You will be given specific and accurate advice on this information and support as much as possible from the insurance company.
Canceled or delayed flights may be covered by travel insurance. Photo: Unsplash.
7. What to note about personal travel insurance?
– There are many different insurance packages with different values and benefits;
– Travel insurance is not a substitute for health insurance;
– Locations identified as high risk will not be covered.
Travel insurance is essential in every trip, especially foreign travel. After finding reliable addresses, you should buy travel insurance as soon as possible for complete peace of mind if you unfortunately encounter unforeseen incidents.
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