Travelers spend a lot of time and effort in planning travel in order to enjoy an ideal vacation, but some may overlook the importance of obtaining travel insurance, and confuse the concept of local health insurance and travel insurance, despite the great difference between them in terms of benefits, conditions, and provisions.
For example, the local health insurance policy provides coverage for medical expenses within the borders of the Kingdom, while the travel insurance policy provides insurance coverage for risks that can occur during travel.
Therefore, we will discuss the most important advantages that the travel insurance policy provides during your trip outside the Kingdom.
The most important advantages of obtaining travel insurance
Not bear the costs of canceling or stopping the trip
Passengers may have to cancel or cut their flights as a result of emergency accidents before or during the holiday, and then lose the money that was paid for the costs of flying and accommodation. However, the acquisition of a travel insurance policy that includes the benefit of protection from cancellation and interruption of the trip, will guarantee that you will receive compensation for losses resulting from cancellation or interruption of the trip, according to the terms and conditions of the policy.
Covering emergency medical expenses
The risk of disease or accidents increases during travel increases, either because of changing weather, the spread of some diseases, or a sudden health crisis, or a traffic accident, especially if the travel program includes some sports and recreational activities that may expose you to injuries, and that you may have to pay the costs of treatment, but With the travel insurance policy, you will be able to protect yourself from the medical costs that result, according to the terms and conditions of the travel insurance policy.
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Compensation for lost or stolen baggage
Your luggage may be stolen or damaged while it is at the airport, transportation, hotel, or the provider of the residence, which may constitute a financial and psychological burden to purchase these items again.
This burden can fade if you have a travel insurance policy that gives you insurance coverage against the risk of your personal belongings being stolen or lost in accordance with the maximum insurance coverage and the terms and conditions of the policy.
Provide insurance protection against personal accidents
Travel insurance provides you with coverage for accidents and personal responsibility, as the beneficiaries of the policy are compensated if one of the people covered by the policy suffers injury or death, God forbid. In addition, you will be covered against damages that you may cause to a “third party” such as damaging them or otherwise causing them to lose their personal property, according to the terms and conditions of the policy.
Covering expenses for services and legal referrals
The travel insurance policy may also provide the advantage of covering legal expenses related to personal accidents that may occur during travel, as insurance companies under the policy provide assistance to their clients in cases of unexpected accidents, especially if you do not speak the local language of the country you are traveling to.
Remember that each travel insurance policy has different advantages over the other, so you must first choose a document that is appropriate for you in terms of the benefits that are appropriate with the entity that you will travel to, in addition to reading the terms and conditions to know the insurance coverage limits available to you under the policy.