Most of us think that travel insurance is just extra money that travel agencies put on clients and that it can be a waste of money. You should know how important and useful travel insurance is during unpleasant travel times. Travel insurance covers everything from boarding the plane to reaching your destination.
These are some of the reasons why you should take out travel insurance
Emergency Cover
This is the most important benefit you get from travel insurance. If the traveler has an accident or illness while traveling, their travel insurance will cover medical bills, hospital bills, and many other expenses as mentioned in your preferred coverage.
Disability and death coverage
No one can predict what will happen next. This coverage helps you and your family in unexpected circumstances. If the traveler has an accident resulting in death or permanent or temporary disability, this coverage will help his family financially.
Loss / delay of luggage
Lost luggage is a common coverage covered by all travel insurance policies. Your travel agent will pay compensation if the loss was not due to your negligence. There may be times when the airport authorities hold your luggage, the luggage is delayed or lost. In some cases, your travel coverage will pay for emergency clothing, medications, etc.
Flight cancellation
There will be times when you need to cancel or postpone your flight. Airlines will not refund the total fare. You will receive a maximum of 30% of the ticket fee on last minute cancellation. But if you add travel insurance, you will get 100% of your money back.
Loss of valuables
If there is any loss of valuables, you can claim a refund from your travel agent. Travel insurance replaces things with new ones or repairs them. Even if your passport is lost / stolen, your travel coverage will take care of the cost of obtaining a new passport.
What should be verified before obtaining travel insurance?
- Fit Cover Check: Before you buy, check everything that is included in your coverage. Whether you pay in full during a medical emergency or just cover some of the expenses.
- Duration of the trip: check if your insurance policy covers the whole trip or only the first days.
- Find your destination - Few insurance agents do not provide services in so few places. So check if your destination is on the list.
- Adventure vacations - If you are planning an adventure trip that includes activities like paragliding, bungee jumping, snowboarding, etc., check your insurance policy if it covers the expenses in case of unpleasant events.
- Don't miss your flight - Check if your policy covers the ticket fare if you miss the flight.
- Trip cancellation: check if your policy will return the total expenses spent on reservations if you cancel the trip.
Few banks in the UAE offering travel insurance
Emirates NBD Travel Insurance
- This provides a 24 hour service under all circumstances.
- It covers all the important things like emergency medical expenses, lost luggage, cancellation reimbursement, etc.
First Abu Dhabi Bank Travel Insurance
- Provides emergency travel services 24 hours a day, 7 days a week.
- Covers medical expenses, lost luggage, cancellation fees and more
Mashreq Bank Travel Insurance
- Provides assistance 24 hours a day, 7 days a week
- Can include beds in the cover
- Covers all major cases like medical emergencies, lost luggage, cancellation refunds, etc.
Travel insurance is very necessary. You will only pay a few additional dirhams when booking your trip, which is much less compared to the payment you would have to make in case of loss. If you can afford your trip, you can definitely afford it. Check properly with the policy everything it covers before buying it.
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