Traveling Around The World, Do You Need Travel Insurance?

Vacation travel illustration. (Photo: By courtesy)

JAKARTA - Vacationing is a fun activity to unwind after struggling with daily activities. However, it should be noted that vacationing in the current pandemic era must be accompanied by discipline in maintaining health protocols.

If necessary, the decision to take travel insurance during the vacation is a wise choice to avoid things that are not desirable. However, how important is the role of insurance in providing a sense of security during a trip?

In general, travel insurance is protection against risks that may occur such as financial risks, risk of loss, or other criminal acts. In some developed countries, every tourist who comes is required to complete their documents with travel insurance.

In fact, travel insurance provides 4 benefits. First, medical protection in the form of coverage for care and medical expenses both at home and abroad.

The facilities offered in this benefit include 24-hour emergency service for accidents, ambulance fees, hospitalization, to cover operating costs.

The second is protection against travel inconvenience. The point is the risk that may occur on luggage with examples of cases of damage or loss.

It is not uncommon to find lost luggage, money, and travel documents. Through the benefits offered, the buyer of travel insurance will be reimbursed for the cost of re-issuance. In fact, another benefit offered is being able to file claims for flight delays.

Three, a personal accident is based on the provision of accident compensation. In this context, the insurance buyer can adjust the amount of risk when choosing a product, from minor accidents to death.

The fourth is emergency assistance around the world which is travel protection which also covers risks that occur in domestic and international travel.

If something happens to policyholders, the insurance company will use its worldwide network to help solve the problems that arise.

These international services also include treatment, registration to hospitals and visits for companions, monitoring of conditions and guaranteed medical costs, referrals to doctors, hospitals, embassies, lawyers, or translators.

In some cases, the benefits of this insurance protection include the return of the body from abroad to the country of origin.

How, interested in buying travel insurance? It is better to identify in advance the risk categories that will be faced when traveling or on vacation. This step is important because everyone has different characteristics.