Travel Insurance – A Must-Have For International Travellers


Traveling is an activity that each individual must undertake at one time or another; it doesn’t matter what the purpose of the trip is or whether the trip is local or international. Many people are really looking forward to traveling to other parts of the world for various reasons and purposes, including, but not limited to, business, tourism, holidays, pilgrimage, education and medical treatment.

The euphoria of traveling outside your domain usually comes with many preparations and, more often than not, many resources are used to ensure that the journey actually takes place; and these include acquiring an international passport, medical tests (where applicable), expensive visa processing fees, flight booking and hotel booking.

Many people will do anything just to implement their international travel ambition. And to be very honest here, international travel is actually fun and something to look forward to. Traveling, especially international travel, is a form of education for travelers who have the opportunity to see new environments, meet new people and learn how things are done elsewhere.

International travel offers the traveler many opportunities, regardless of their original travel purpose. These include business opportunities, educational opportunities, job opportunities and even marital opportunities. Unfortunately, however, it is only these and many other opportunities that these (potential) travelers see. They seem to be ignorant or less concerned about the risks that are embedded in international travel, so they don’t take steps to mitigate those risks.

At this juncture, you may be tempted to ask the question: “What are the risks associated with international travel?” Excellent question. Read on, as most of these risks are discussed in the following paragraphs.

Risks associated with international travel

As interesting, fun, fun, profitable and educational as international travel can be, they also have their downsides: risks, just like everything else in life. And very fortunately for travelers, most of these risks can be transferred to professional travel insurance providers, through the purchase of travel insurance, also known as “travel health insurance” or “travel medical insurance. “.

These international travel risks are numerous and varied and include, but are not limited to:

  • Sudden illness in the country of destination requiring urgent medical attention and / or hospitalization.

  • Involvement in an accident that results in personal injury, temporary or permanent disability or death

  • Loss of checked baggage

  • Loss of valuables such as international passport, driving license, national identity card, etc.

  • Personal responsibilities abroad

  • Emergency dental cases

  • Hijacking

  • Arrest by law enforcement agencies requesting bail and legal defense

Another question that can be asked right now is: “Do travel insurance policies cover all the risks mentioned above?” And the answer is a great YES, and much more.

Covers and benefits offered by the main travel insurance policies

Below is a list of most of the coverage and benefits provided by travel insurance policies, depending on the suppliers. So the next time you buy a travel insurance policy, look for these covers and benefits.

  • Medical expenses and hospitalization abroad

  • Emergency medical evacuation

  • Repatriation after treatment

  • Emergency dental care

  • Repatriation of a family member traveling with the insured person

  • Journey of an immediate family member

  • Emergency return home after close relative’s death

  • Repatriation of mortal remains

  • Medical assistance

  • Legal assistance

  • Pre-departure services

  • International general assistance

  • Information assistance abroad on lost luggage and passport,

  • Delivery of medicines

  • Legal defense

  • Deposit advance

  • Hijacking in public transport

  • Passport loss, driving license, national identity card abroad

  • Compensation for flight loss of checked baggage

  • Compensation for delayed arrival of baggage

  • Delayed start

  • Location and delivery of baggage and personal effects.

  • Accidental death

  • Permanent disability

  • Personal civil liability

  • Travel cancellation costs

Risks not covered by travel insurance policies

After talking about the coverage and benefits offered by travel insurance, it is also important to consider the risks that are not covered by most of these policies, as listed below:

  • Participation in criminal acts or as a result of his fraudulent, grossly negligent or reckless actions, including the Insured’s actions in a state of upheaval or under the costs of psychiatric treatment for which they are themselves excluded;

  • Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, objects falling from space and aerolytes and in general any atmospheric, meteorological, seismic or geological phenomenon extraordinary any other type of natural disaster;

  • Events resulting from terrorism, mutiny or crowd disturbance;

  • Events or actions of the armed forces or security forces in peacetime;

  • Wars, with or without prior declaration, and any international conflict or intervention that uses force or coercion or military operations of any kind.

  • Participation in bets, challenges or fights, except in case of self-defense or necessity;

  • Pre-existing disease or injury

  • Participation in competitions, sports and preparatory or training tests;

  • Car or motorcycle racing, horseback riding, climbing, pot holing, boxing, fighting in any of its modalities, martial arts, parachuting, hot air balloon rides, freefall, gliding and, in general, any sporting or recreational activity known to be dangerous ;

  • Participation in competitions or tournaments organized by sports federations or similar organizations.

  • Dangerous winter and / or summer sports such as skiing and / or similar sports.

  • Accidents at work

  • Internationally and locally recognized epidemics.

  • Illnesses or injuries resulting from chronic ailments or those existing before the policy start date;

  • Death or injury from suicide or attempted suicide or self-inflicted injury.

  • Diseases, injuries or pathological states caused by the consumption of alcohol, drugs, toxic substances, narcotics or medicines acquired without a prescription, as well as any type of mental illness or mental imbalance;

  • Illness or injury caused by pregnancy and childbirth or from any complications or voluntary termination of pregnancy;

Where to buy Travel insurance

Travel insurance can be purchased online and there are many travel insurance providers to buy from. All you have to do is find your preferred supplier, fill in the online form or the questionnaire, make the payment and the policy will be made available for immediate printing or sent to your email address.

You can also purchase travel insurance offline from a local insurance company or travel agency. whatever the purchase method you choose, you can be sure that you will be fully protected against insurance risks on gravel.

Using your travel insurance

After purchasing the travel insurance policy, whether it is self-purchased through the provider’s online portal, from a travel agency or through a local insurance company, you must make sure not to forget to bring the document with you during the trip. This is so important because it may be required to produce that document by the competent bodies.

You should make particular note of your policy number (if possible copy the number somewhere else) as it will be required by the service providers to identify the property when you call them for assistance.

Another thing you should take note of your travel insurance certificate or policy document is the telephone numbers of the assistance company that you need to call when you need help. These numbers are always written clearly on the travel insurance document, so make a note of it.

You should try to read the document as much as possible in order to understand the covers provided, the terms and conditions of the policy, as well as its exclusions. And most importantly, when you complain about your policy, be honest and avoid all forms of fraudulent practices.

Summary and conclusion

There are other advantages that travel insurance policies offer and which cannot be fully discussed here. But having read the few benefits discussed above, you will agree that travel insurance is a must for a successful trip. So the next time you plan an international trip, make purchasing travel insurance a top priority. It is quite convenient and anyone can buy it. The tranquility and protection that will guarantee you are enormous.