Travel Insurance is often overlooked.People spend a lot of time sorting their holidays and travel.Plane tickets are bought, accommodation is booked, vaccinations suffered, and hours have been spent deciding on what clothes to take. They think they are organised.
But are they? There is something really important that seems to be missing from this list! Yes, Travel Insurance.
Often people think it is too expensive. But is it? When you think of all the things that could go wrong it is a relatively inexpensive safeguard to problems that could potentially cost thousands of dollars. A small premium spent now, should give peace of mind for these possible scenarios.
Plane tickets are lost
You, or a family member have an unexpected illness before you leave .Your flights are delayed, or cancelled.
Luggage is lost
Luggage, tickets, money is stolen
Personal items are damaged
You fall ill or have an accident while you are away
This MAY entail emergency repatriation to your home country.
Your adventure activity has caused you an injury
You have an accident in a rental car or campervan
Bad weather, or other unforeseen circumstances could mean having to reschedule flights
All these things can and do happen to many travellers. Without the appropriate Travel Insurance Cover for your situation, it is going to be a costly problem.
Choosing the Right Travel Insurance
Not only should you have Travel Insurance, but you need to choose the one that is right for you. If you are going to be doing adventure activities such as bungy jumping, be sure you choose the cover that will pay out if you have an injury. Going skiing or snowboarding? There is a special Snowboarding Travel Insurance. It also covers other snow activities.
Are you staying away long term? The insurance cover for expatriates, would be the one for you.
You are often given an option to cover cancellation of tickets when you purchase. Think carefully before you say “no “to the very few dollars this usually costs!
When you book hotels, hostels or other accommodation you may well be offered a very cheap insurance cover in case of cancellation. It is worth the few dollars! A cancelled booking could be a costly mistake.
Renting a vehicle usually includes insurance cover, but there is also a large excess, often $2,000 or more. You can take out extra insurance to cover this, or your comprehensive travel insurance may include it. Check, so you don’t pay twice!
Weather can play havoc with travel plans. Knowing you have insurance to cover the resulting cancellations , lost bookings, and changed plans makes a huge difference to the impact on your holiday AND your pocket.
I am a New Zealander who has travelled extensively internationally and lived in several countries. Despite all the places I have been, I still think New Zealand is one of the most beautiful countries, and for a holiday, it is not only scenically truly spectacular, but also has a huge variety of exciting activities. Having had so much experience planning international travel, I appreciate the difficulties in getting all the relevant information for visas.