Many people travel to the US everyday either for a vacation or work, thanks to the availability of USA holiday packages that make it easy to plan your trip without any hassles. Planning a travel itinerary, however, starts with arranging a visa, booking your flight tickets, packing and throughout the stage people try hard to ensure that they don’t miss anything that may pose problems later. Despite the comprehensive planning, most people either miss out or underestimate one crucial factor-a travel insurance. People are either unaware of the way travel insurance works or think there is no need for a travel insurance. The blog discusses five situations where travel insurance can come to your respite. Read on.
1. Trip Cancellation
Many people make advance payments to book an accommodation or a cruise. Though pre-bookings have a number of advantages, you may, at times, need to cancel the trips at the last moment as a result of work and personal commitments, or any other unforeseen circumstances. A travel insurance with trip cancellation coverage safeguards your expenditure on plane tickets, hotel fares by reimbursing your deposits and penalties if you need to call off a tour.
2. Medical Emergency
Many people are of the opinion that their health insurance is sufficient to cover medical emergencies when they are on a holiday. Though leading health insurance providers offer domestic coverage, only a handful of them are useful when traveling overseas. If a person falls ill or suffers an injury when traveling, they may need to shell thousands of dollars for treatment. Opting for a travel insurance with adequate coverage for overseas medical expenses comes handy in such situations.
3. Lost Baggage
Lost, stolen or delayed baggage may spoil your trip. If you have a travel insurance, it can be used to claim losses related to personal items. Appropriate coverage enables you to claim your losses to replace the lost items or get compensation. Baggage coverage, for instance, can make up for lost or damaged belongings. Ensure that you read the policy carefully to learn about the items that are covered by the travel insurance.
4.Trip Interruption
At times, people may need to abort a trip and get back home to attend a number of priorities that may add up to the travel budget. A travel insurance with trip interruption coverage comes handy in such cases and compensates for the expenses of the return trip. The type of coverage is different from trip cancellation as most travel insurance providers reimburse the money incurred on accommodation and non-recoverable expenses for the remaining duration of the trip.
5. Delayed Flights or Cancellations
Your flight may get delayed due to rough weather conditions or a number of other reasons. To cover such situations, travel delay coverage reimburses additional expenses you need to incur as a result of delayed flights such as extra stay in hotel and meals. Some of the travel insurance policies may also compensate the cost to book an alternate flight; however, you need to check for exclusive statements before buying a travel insurance. You can also opt for a travel insurance with an additional trip interruption coverage that compensates for lost portion of the trip, if you have to quit the trip in between.
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