While they say the best way to learn a lesson is to learn from your own mistakes, we have a tendency to forget what we learn over a period of time. Sometimes, that’s a good thing – for example when we forget just how much a broken heart hurts, and throw ourselves right back in the game and meet the love of our lives. If we never forgot the pain, we probably wouldn’t want to fall in love ever again. But sometimes, our tendency to forget is just plain stupid. It happens to me all the time when I travel, and I’ve seen the same thing in other travellers. I start out being really careful over my health and belongings, always washing my hands with hand sanitizer, and holding a firm grip of my bag and camera. But after a few months without anything happening, I get sloppy. My hand sanitizer runs out and I don’t bother buying a new one, I start eating with my fingers, and I’m not at all afraid of getting mugged. I start taking safety and health for granted. And that’s just when it happens – of course…
Travel Insurance Is Not A Luxury
How to Choose Travel Insurance
How Travel Insurance Can Help In an Accident Abroad
Best Travel Insurance For Your Next On The Road Adventure
Travel Insurance Is Not A Luxury, It’s Essential!
Travel Insurance – What You Need To Know
Travel insurance is not a luxury – accidents can happen on even the shortest of trips and the costs of medical treatment or other expenses could potentially be astronomical if you fall ill and are not covered.
It’s easy to get “annoyed” over money you spend that you might not get to take advantage of, but when something actually does happen it feels so good knowing that you took that small precaution and paid a considerably small price compared to what you got in return.
Travel insurance is a way of protecting yourself from unforeseen and unfortunate occurrences, ranging from medical costs incurred if you fall ill or are injured to the exact cost of the lost items if you are the victim of theft. In the past 5 years of traveling, I’ve had all of them happen to me, last time being when we were mugged in Malaysia.
Are You Already Covered?
If you are travelling in Europe you should pick up a free European Health Insurance Card (EHIC) – this entitles you to the level of state provided health care a resident of the place you are visiting would get. I’ve used it myself and it worked just fine, but depending on where you are and what treatment you’re getting you may still have to pay some (or all) of the costs – the EHIC will not cover the costs of emergency repatriation if you have to be flown back to the UK, so getting a proper travel insurance is still better. Also remember to check if your home insurance offers travel insurance, as they tend to give some good deals. Often they already cover you for trips up to a certain number of days!
Some people think all travel insurance companies are the same and as good as each other, but that’s just not true. It can be boring and time consuming to read through every single detail of the insurance policies before purchasing, but these policies are what will matter when things go down, and it can be a matter of thousands of pounds in difference between what companies cover. Read this travel insurance checklist to see some of the most important things the insurance company should cover!
Types of travel insurance
The two main types of travel insurance are single- and multi-trip insurance. Single-trip travel insurance, as the name implies, covers you for the duration of one specified trip. Multi-trip insurance covers you for multiple trips taken in a given time, typically a year – if you are going away more than once, multi-insurance might be a more economical solution, and then there is also the Backpacker insurance which covers you for extended trips.
One thing many people forget is that most travel insurances don’t cover your sport activities, perhaps because that’s when they’re most likely to happen…On our last ski trip two people hurt themselves pretty badly, and weren’t sure if their insurance would cover the expenses. If you’re planning to do any sports on your trip, it’s definitely worth getting insured for it – you don’t want to have to pay the exorbitant costs of a broken leg or several nights at a hospital from your own pockets!
The best tip I can give is to make sure you’ve done everything “by the books”.
If you lose your belongings you will need the receipts for everything you lost, so save all your receipts on things like cameras, laptops etc.
If you get robbed, you will need a written paper from the Police first, so go there as soon as possible – if you get sick and pay for a doctor to come to your hotel and buy medication, save all receipts. Rule of thumb: save everything, and make sure it’s not just in your bag (in case it gets lost), e-mail it to yourself so it will be safe online!
(photo credit: 1)