It is not surprising to hear horror stories of those who have been caught traveling without travel insurance. You may have probably heard of people’s vacation turning into nightmares when they end up being stranded in foreign countries or became poorer by hefty hospital charges. No one will want to have such experiences and that contributes to the popularity of travel insurance nowadays, especially for international travels. You will be surprised at how much a person is willing to pay in return for a peaceful mind.
There are many types of travel insurance policies and the terms offered vary accordingly. Do not assume that all policies are bound by the same terms and conditions with the same exclusions. Very often, people tend to make such mistakes. Therefore, it is vital for you to ascertain on paying for the areas that you wish to be protected. Trust me, you would not want to be caught in a situation whereby you thought you are covered but in actual fact, you are not. So do read the small print carefully as there are a number of things which may not be covered by insurance. Listed below are 10 of such things:-
1. Pandemics in general
2. Weather disappointments
3. Visa refusal
4. Drunk skiing, etc
5. Working holidays
6. Weather related disasters
7. Security threats
8. Sexually transmitted disease
9. Adventure sports
10. Evacuation vs repatriation
Due to page constraint, I am unable to go into details or explain the individual section of the above mentioned things here. But do not fret as you can always ask questions and check with the travel insurance company before you purchase the travel insurance policy. Alternatively, you can also search online for the detailed definitions of the above or any other information which you require. Always ensure of your eligibility for travel to the destination of your choice before spending money on the coverage. Do not rush into getting the insurance. It is better safe than sorry.
In the event that you are unable to find a travel insurance policy that meet to your requirements, especially on certain travel risks factor which you are concerned about, you can always seek the advice and help from a travel insurance broker. Perhaps the insurance broker can arrange for a custom-tailored plan for you. Needless to say, the premium of a special customized coverage will definitely be much higher than the cost of a standard policy.