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Travel Insurance – Why Do We Need it?

Saturday, December 1, 2018
Travel Insurance – Why Do We Need it?Like0

There are so many different reasons why a lot of travelers do not purchase travel insurance. When asked for a reason why you don’t purchase travel insurance, I received hundreds of almost the same replies: Either too expensive or not sure of what it can cover you. 

Firstly, travel insurance comes in many forms, true, but a lot could be basic as well. In the past, when looking for travel insurance, I partnered with RSA Insurance and they educated me on the different ways I could purchase travel insurance and it made me think a lot about the reasons why most of us don’t purchase travel insurance. A lot of the times, we might be too lazy or forget to. But, we have all lost that phone on a trip, or our passport and even our money. What about a delayed flight or even a sick sibling. These are all unforeseen accidents.

Here are few points to know thanks to RSA Travel Insurance

 

TRAVEL INCONVENIENCE COVER

Passport, Travel Documents, Personal Money  

Passport cover refers to the replacement fee for the lost, stolen or damaged passport. It also refers to the associated costs of losing your passport e.g. you need to stay back in the holiday destination, you cannot take your flight home.  

Personal money is not a mandatory Schengen cover, but typically you may have lost more than one document at one time e.g. if a day bag was lost or stolen, and you have some cash in the folder.  

Personal Belongings and Baggage 

Personal baggage, majority of claims are for loss of jewellery, mobile phones and cameras, these are personal possessions. 

Claims stories are unique when losing, stealing or damaging eg. travelling to Ubud where a monkey damaged a camera, this is covered under accidental damage e.g. an item stolen from the car boot whilst road tripping. 

Missed Departures and Connections 

Flight delays are covered for an unforeseen incident as to why you cannot take the flight. Missed connections are covered e.g. your first flight was delayed and therefore you missed the second one, you may need to stay in the layover destination and require a hotel. The entire expenses related to the missed connections will be covered. 

Delayed Baggage 

If your baggage is delayed e.g takes hours/days to arrive, RSA will cover expenses e.g. food, clothes. 

ISOS

ISOS is travel support hotline advising you on what to do next, what you need, where you need to go etc. if you have an emergency, we provide lost document advice, foreign language translator.  

It also covers medical advice during an emergency.  

TRAVEL MEDICAL COVER 

ISOS medical advice is a fast response time, with a network of hospitals and clinics, advice, appointments, who call back to check, deliver medicine etc. It is a complimentary cover to existing medical insurance. 

Emergency telephone charges are covered e.g. you need to make calls home during an emergency medical situation. 

Pets Care e.g extending a visit due to a medical emergency, your kennel is covered under executive policy. 

OPTIONAL EXTRA 

Cruise covers missed port departure ie. An external unforeseen reason as to why you couldn’t make the cruise. 

If the cruise undergoes an itinerary change e.g. due to weather, each missed port is claimable. 

Cruise interruption during a medical emergency, the cost to re-join the trip is covered.  

Also covers the cost of a close relative travelling to your destination to bring a dependent child back if you’re ill or injured. 

 

Travel Junkie Diary

A bohemian traveler

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