Insurance is to take care of the unforeseen. No matter how well you plan, there are circumstances, unforeseen and unplanned. These circumstances may lead you to cancel your or cut short the trip, get you into medical problem and so many other things you never wish for. Travel insurance takes care of this unknown during the travel. So, travel insurance should ideally be included in the travel checklist just as other aspects of your travel are.
Here are a few things that travel insurance takes care of:
Your flight gets cancelled or delayed: This may happen due to natural environmental conditions, unfriendly conditions cropping up at the destination or some trouble with the airlines.
You baggage is lost or delayed: it often happens that the baggage reaches wrong destination. It may even get delayed or lost in the transit. You would want to be covered against such a situation.
You need medical attention: you may be involved in an accident or you may fall ill and need medical attention and guidance to reach the nearest medical facility. Travel insurance TPAs provide assistance in this.
Passport is lost: if you lose your passport, you might need assistance to contact the right authorities and obtain the required documents.
Wallet and money is lost: You may need emergency cash to deal with such unfortunate events as losing your money.
Medical evacuation: you may be hurt or taken ill with no medical facilities near by. In such situations, you will need the facility of emergency evacuation.
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