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Travel insurance talk: What are your options when travelling abroad?

Travel insurance talk: What are your options when travelling abroad?

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There is nothing better than a trip overseas. Whether it's a relaxing, well-earned holiday to an exotic location or a quick trip across the pond for a work conference. However, what happens when your flights are cancelled at the last minute, or you're hit with a rare stomach bug when you arrive?

This is why making sure that you have travel insurance is so vital. Below we explore some possible scenarios and exactly how your insurance can save you and your holiday.

Emergency one: You can't go

So you've managed to plan your overseas trip. Your passports are up to date, paperwork is printed out, even your suitcase is packed and ready to go, except the night before, disaster strikes, and as much as you wish it wasn't, the holiday is off, so what do you do?

For most of us, travel expenses are not cheap to change. This is why prior to your getaway, it's important to take out insurance. When doing this, a vital detail is letting your insurer know the exact details of your trip, this will save you a huge headache later on. You'll have the peace of mind that you're covered if something goes wrong.

When it comes to sourcing your insurance, many companies offer travel insurance credit cards. This takes the pain out of finding a quote and paying a premium, instead it's already included, simply awaiting you to activate it.

Ensuring your insurance has cancellation benefits will really assist you due to the unpredictable nature of travel. In the circumstance that a last-minute cancellation does arise, you can be reimbursed for a number of costs such as those cancelled flights.

It can also assist you with payments that were previously stated as non-refundable if they fall under a covered reason. Without this financial security blanket, you're stuck at home, footing the bill of your holiday.

Emergency two: You get sick

Make certain that you thoroughly read through your insurance policy, in the instance that it's needed you'll already be familiar with what it covers, and not attempting to understand whilst nursing a broken leg. The next step is to enjoy your holiday and busy yourself exploring your new home for the next week or two.

If you do find yourself falling ill or injured overseas, your insurance will cover the costs of your treatment. This is particularly beneficial for countries like the United States where there is no public health insurance; patients are required to pay for every treatment and this can add up to tens of thousands of dollars.

Being appropriately insured means you aren't left paying this out of pocket and your main focus can be returning to your best health and enjoying the remainder of your holiday.

Emergency three: You arrive, but your baggage doesn't

You've managed to make it to your destination, the weather is perfect and you are ready to relax. However, as you wait for the carousel to bring you your bag, it never comes; it's off on its own exotic expedition. This issue is a relatively common one.

If your baggage is lost, stolen or simply delayed, your insurance is here to help alleviate some of the stress. It can cover the amount that it costs to replace your lost baggage, with some insurers even helping to locate replacements of specific items if it is something particular that is required whilst you're away; and fear not, if your luggage is located there is no need to repay the amount spent on replacement purchases.

Whether you've missed your connecting flight, or your bag missed its destination, travel insurance takes out the unnecessary stress of how you'll fund any unexpected bumps in your journey. Ensuring you travel with insurance acts as a safety net for you, so your holiday stays anxiety and unexpected fee-free.