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Before You Travel: Is Your Insurance Really Enough?
Travel insurance can give you additional protection during your holiday, especially if things don’t go the way you planned. Flight problems, lost or stolen belongings, and medical emergencies are some of the common issues you may encounter during your trip.
To protect yourself during your trip and to avoid any major unexpected spending, getting a travel insurance plan before you depart is crucial. How do you know if a travel insurance policy is a good one? This checklist from Pacific Prime is a great guide on the coverage that you need.
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Medical Expenses and Repatriation
In the event you fall ill while abroad, covering medical expenses out-of-pocket may be difficult. Also, most public hospitals may not even cater to foreigners, and you’re most likely able to seek help from a private hospital.
But the medical costs of private hospitals can be too expensive, especially if you’re in a foreign country without access to your finances. Travel insurance can cover your medical needs, and it can also cover your trip back home if needed.
Personal Injury from Accidents
Accidents can happen at any time and anywhere. Whether you’re on a hiking trip, or just simply walking down the streets of the city, having coverage for personal injuries is essential. A good policy should cover medical treatment and hospital stays. In the event rehabilitation is needed, your policy can also cover it.
In some policies, injuries from adventure sports and activities may be covered. Make sure to check the specific terms and coverage that’s available for you.
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Lost or Damaged Items
You can have your personal belongings insured so they are protected from theft, loss, or damage. You can insure electronics, jewelry, and other personal items.
Most policies have per-item limits and may require proof of ownership for high-value items. Before your trip, make sure to keep your receipts and take pictures of any expensive items you have. Some insurance plans also cover emergency cash if your wallet gets stolen.
Lost or Delayed Luggage
Some airlines may lose your luggage or mistakenly place it on the wrong flight, which is unfortunately a common mishap for many airlines. In the event your luggage goes missing or is delayed, you can get some reimbursement for the value of your lost items.
You can also get an allowance to cover your needs while you wait for your luggage to arrive in the country you’re visiting.
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Flight Cancellation or Missed Departure
Flights can get cancelled unexpectedly due to unforeseen events, and some airlines do not offer refunds on your tickets. If your ticket is non-refundable, there is a way to get your money back. Some policies cover flight cancellations or if you miss your flight.
This coverage usually includes compensation for cancelled flights due to weather conditions, airline strikes, or other unexpected circumstances. It may also cover additional accommodation and transportation costs if you need to stay longer or make alternative travel arrangements.
Get Your Travel Insurance Before Your Trip!
How much you end up paying for travel insurance will depend on the amount of cover you’re likely to need. The more coverage you get, the more expensive the premium will be. However, you should never under-insure yourself just to save money.
Planning your next trip abroad? Pacific Prime Hong Kong can help you find the right travel insurance plan that has all the cover you need.
Contact Pacific Prime Hong Kong today for a free quote and plan comparison!