Thursday 12 July 2018

5 reasons why solo-travellers need travel insurance policy

The new generation does not believe in the concept of family holidays. They prefer venturing into the woods or trekking on their own. They do not care about the consequences and look for peace and tranquillity by solo travelling. There are some points to ponder upon: what if your bag goes missing? What if you misplace your passport? What if you meet with an accident or require medical attention? There are several challenges while travelling solo.

Those worries can take a backseat. Several banks offer travel insurance to ensure you are safeguarded. To enjoy your vacation to the fullest, stay covered. We list down 5 points why solo-travellers should take up travel insurance now:

1) Cancellation charges: You might have to cancel your trip for any unforeseen circumstances. In such cases, travel insurance covers cancellation factors like pre-paid costs, accommodation, transport and car hire. Getting these covered by your travel agency is next to impossible. It is, however, recommended that you study the cancellation guidelines carefully before buying one.

2) Medical expenses: Nobody can predict accidents or sudden infections. This can mainly get difficult when you are holidaying abroad. It gets challenging to communicate with the doctors, and the fees are super expensive. This is where travel insurance plays an important role. It not just covers your medical bills but also assist you to get back home at the time of emergencies.

3) Costs of personal possessions and electronic devices: Some of worst experiences that solo travellers experience is delayed baggage, loss of passport and damaged electronic devices. The insurance covers all these. However, check the policy limit, to gauge the kind of items you can carry while travelling. Buying travel insurance online allows you to compare the features of the insurance offered by different banks and make the right choice accordingly.

4) Adventure activities under check: What is the meaning of solo travelling if you do not take some risk such as bungee jumping, skydiving, skiing, etc. What if you lose your balance and hurt yourself? Travel insurance protects you from these dangerous activities. The insurance form has a section where you can mention the kind of activity you will indulge in during your trip, which they can, in turn, protect you from.

5) Legal advice: You can always seek some legitimate suggestions with regards to some claim on the policy. Most of the insurance plans have a section that pertains to legal advice and cover.

Solo travelling might sound all rosy, but the process is daunting. With travel insurance in hand, you have the freedom to explore the place as you desire to.

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