Three types of insurance products that cushion travellers from losses

It’s a traffic-filled morning, you are all set to depart for your flight but there you are stuck in a rut. It’s roughly 30 minutes to take off and you start getting anxious about the dreary customs process. You sigh in despair as you arrive at the airport and rush to the check-in counter, suddenly you remember you’ve forgotten your laptop in the cab. If you dash back for the laptop you miss your flight, you try to weigh between going back for the laptop and rescheduling your flight to a later time.

Sounds like a catch 22, right? If this seems like a situation you are all too familiar with? Fret no more! Travel covers ensure you bid all your travel concerns away with insurance plans that all year round anywhere in the world. What it’s even better is that you can sign up from the comfort of your own portable device made easier by digital integration or through a travel agent who is able to give you extensive information and answer any further questions you may have. That said, here are a few points that travel insurance covers you against:

1. Cancellation waivers

We have all found ourselves in a situation where we had to cancel our flights for one reason or another. However, with appropriate travel insurance, you don’t need to worry about the extra expense if you miss your flight. The cover is able to cater for curtailment and cancellation of your trip at no extra cost.

2. Medical aid cover

Travelling to a new destination for work or pleasure is fun for all, however, the unexpected can strike at any time resulting in the need for medical assistance. Here is where travel insurance comes in to give you peace of mind.

Your travel insurance cover ensures you are aided in a proper hospital and receive proper medical attention while in the foreign country. For the explorers who fancy mountain climbing, bungee jumping and all those adventures that come with travelling. Travel covers are there to provide evacuation for you and your loved ones in case of an accident during the adventure.

3. Baggage loss

This is a very big headache when you lose your baggage while travelling, valued possession, documents and even money can go missing, however, purchasing a travel cover that caters to this ensures that you are compensated in such cases. Travel covers are tailor-made to suit those instances you lose or forget your luggage, giving you peace of mind and less stress.

4. Student covers

It is no secret that the majority of us have the hope of seeing our children study abroad at top learning institutions across the globe.

Student covers are also catered for under travel insurance. This enables the student to travel abroad without their parents having to worry about breaking their bank.

It also guarantees the students medical cover amongst other protective solutions that give parents a peace of mind and enables the students to focus fully on their education.

Travelling is indeed the desire and dream for many. It can be an enjoyable experience that you will live to cherish for the rest of your life or it could be a horrible experience that will leave a bad taste in your mouth.

Avoid the bad by ensuring your travel is insured at all times.

Peter Wachira, General manager sales at Resolution Insurance Limited.