Travel Insurance – It’s Not Always Straight Forward

You Might be planning a holiday somewhere hot and sunny, or you may well be preparing for a new job that involves a lot of travelling. Whatever the reason for you climbing aboard a plane, boat or train, you should get travel insurance. Many companies offer “bog standard” policies that cover you for the obvious things that may happen, and these include but are not limited to:

  • Accidents abroad – more on that later in the article and what “accident actually means”.
  • Medical Expenses.
  • One of the most annoying things that can happen (in my opinion) – lost baggage, or delays in travel.
  • Theft or loss of money, travellers’ cheques, personal belongings or your precious passport.

These are some of the most obvious mishaps travel insurance companies cover however, there are more comprehensive policies out there should you need it. Perhaps you have a certain medical condition or disability? In which case, you don’t have to consider yourself on the “travel black list”! Due to the fact this type of insurance is becoming ever more popular and with good reason, there are plenty of options for people who once thought they would never get insurance.

Outside of the “Norm”

That said – what about the more, shall we say, unusual mishaps? I would never advocate someone making a false claim on any type of insurance policy after all, it’s illegal and could land you in a whole lot of hot water! Although I will say don’t out rule putting in a claim if you think you have a valid reason for doing so. Sure, not all companies will pay out but if you’re being totally honest what’s the worst that can happen? The powers that be will say “claim rejected”!

Take some of these accidents for example:

  • A person on holiday abroad marvelled at the idea of being able to read their favourite book under the shade of a beautiful palm tree, sounds idyllic doesn’t it? And it was, until a coconut promptly fell out of the tree and caused a head injury! Ok, most people (me included) would think there was no chance of a successful claim however in this instance all medical bills were paid.
  • Take this one for a disaster oh, and before you read on, people who are looking forward to getting married abroad don’t panic, just stay away from barbeques! An unfortunate bride did get a little too close and ended up with her dress on fire! Her quick thinking husband (yes they managed to get married first), did the only thing he thought would save her and threw his beautiful wife into the Caribbean – how gallant! The clever couple had made sure their travel insurance was as comprehensive as it comes, and luckily for them the cost of the dress was reimbursed. Apart from a successful insurance claim, at least this couple will never forget their wedding day!
  • If you intend to spend some time in a place where wild animals could get access to your belongings, try this little story for size. A couple came back from a day trip only to find a bunch of local monkeys thought it would be a good idea to break into their cabin and scatter the couples clothing all over a nearby forest (pesky monkeys)! Fortunately the nice man at their travel insurance company said yes to the claim.

Moral of the Story

I know lots of people shy away from travel insurance because they think its dead money (excuse the pun) however it’s anything but as the stories above prove. Whilst the situations I’ve outlined are not an every-day occurrence, it is possible you could be victim to an accident just as unusual.

For that reason, I think travel insurance is a must. The only piece of advice I will pass on is to make sure you read the small print before handing over any money especially if you’re going to spend time around monkeys or hot BBQ’s!

 

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