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List: Posted: 09/12/11
When you are looking to take an out of country vacation, you will likely be asked by your travel agent if you would like to purchase travel insurance. While this is not generally required of you, it is certainly something that is worth your time and consideration. Your domestic health insurance policy is not going to offer you benefit if something happens while overseas, and believe it or not, travel insurance protects much more than just your health.
Trip Cancellation Protection
One thing to consider is the many things that travel insurance can do. For starters, if your trip is cancelled due to circumstances beyond your control or if medical problems prevent you from going, travel insurance can help you recover the costs. It can also help if you are robbed or mugged, or if you miss a flight due to extenuating circumstances and get stuck in a foreign country.
General Sickness Cover
Travel insurance is also crucial if you are sick or if you get injured in another country. You will certainly need a way to pay for health care in these circumstances, and this is where a good insurance policy comes into play. If you have coverage, you will find that it can be much easier to get treatment no matter where you are.
If you require emergency surgery that is not possible abroad, the insurance cover will help fly you back to your native country for treatment using medical transport rather than public transportation. The last thing you want to do is get stuck in the coach section of a plane with a broken leg in an effort to get home to a hospital, but believe us, it has been known to happen to uninsured travelers.
Cruise Ship Outbreaks
While travel insurance is not a necessity, it is highly recommended. This is especially true for people on cruises, where the outbreak of an illness can lead to being taken off the ship for medical care practically anywhere in the world. When you want to ensure that you are protected worldwide, a policy is definitely necessary.
The material in this article is for informational purposes only. The views expressed in this article are those of the author and do not necessarily reflect the views or opinions of Local.com. See Additional Information