Should You Get Travel Insurance for the Holidays?
With Christmas and New Year just around the corner, everyone's in the mood for merry-making. Lanterns and lights aplenty, soon it will be time to catch up with family and friends. Some of you may not be spending the holiday season in your hometown or country but will instead be travelling with family or special friends to an exotic destination.
Wherever you intend to fly off to, be mindful of the weather. If you're not up-to-date with the latest weather forecast, you might end up losing all the money you invested for this holiday getaway. Typhoons, earthquakes and other natural calamities can be the biggest foil to people's travel plans. Considering this fact, would you be willing to purchase travel insurance to protect you and your family?
Travel insurance reduces the financial and medical risks of travelling. Whether you're taking a local or foreign trip, a travel insurance plan will cover financial losses wrought by medical emergencies or life-threatening situations that cause delay, interrupt or cancel trips. Certain travel insurance providers have 24/7 emergency assistance hotlines. Policy-holders can request for assistance anytime of the day. If you need to locate the nearest hospital or book an evacuation vehicle, medical professionals from the other end of the line will make the necessary arrangements on your behalf.
Travel insurance proves very efficient in various situations and will not cost you more than 8 percent of your total trip cost. However, age and your preferred plan will affect overall price. Some travel insurance plans are cheaper but with lesser coverage. Just a piece of advice: never buy a plan without knowing what you're getting into. Read the policy, ask questions and be thorough about it. If you buy just to comply with visa requirements, your rush decision will likely backfire.
People need to change their mindset about travel insurance. The irony is that many would fight tooth and nail to get the latest designer handbags but could not even spend a dime for their own protection. It's about time to list travel safety as one of your priorities.
Now back to the question at hand. Should you buy travel medical insurance for the holiday season? It's entirely up to you. Consult with an agent or ask yourself directly.
Travel safe and enjoy the holidays!
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