Many folks have been lax about getting travel insurance in Singapore for they think it is not necessary and may only cause another expense, which is totally wrong. Just to clear your mind, there are two broad categories of travel insurance: trip cancellation insurance and travel medical insurance.
Obvious for the names, trip cancellation insurance is a package policy which allows you to revoke your trip for valid reasons earlier in time to your departure, while travel medical insurance apparently centers on medical benefits that is far way better than the aforementioned package policy.
To further answer the question spinning around your head (yes, we can read your mind *wink*), here are the reasons travel insurance makes a worthy investment.
1. Emergency medical expenses
Getting ill, injured or wounded while on a trip is no joke, for it does not only ruin a supposed to be fun and smooth trip but it also causes expenses that are not included in the budget. Take note, there are some cases wherein your health insurance can't cover medical expenses if you are in other countries. The good thing here is the fact that, with travel insurance, these possibilities can be covered. In case something happens that requires immediate medical attention, all you need to do is call your insurance provider so they can provide healthcare service right away.
2. Remote area coverage
No one can ever predict when an accident may occur, even what you think is the safest trip can turn into a disaster when unexpected things happen, like if you get lost while wandering somewhere or, perhaps, get your ankle twisted. That is why it is very important to apply for the best travel insurance which includes coverage in a remote area. In such cases, you can get medical assistance to the specific area of your emergency by means of deploying health experts or evacuation professionals.
3. Dental emergencies
For sure, you already know how excruciating it is to have a dental problem. Haven’t you? Do not disregard this matter, thinking that is just a tooth problem, because it may be something small, but the pain that it can cause is too much. Instead of being forced to return to home for treatment, you can leave it to your travel insurance since it also covers dental emergencies.
4. Travel and luggage delay
So you are heading to a certain country either for a business trip or short vacation when all of a sudden some technical problems arise which caused your flight to be delayed. There’s nothing to fuss about because some travel insurance company have this included in their policy coverage. Just be keen about choosing the one which has all the policies you think you need.
5. Baggage retrieval
When traveling, we stuff our luggage with things that we may need in the duration of the trip. That is why getting your baggage lost or stolen can truly cause a headache, considering the fact that it may take about some couple of days for some luggage to be returned to the owner during the flight. But with the help of travel insurance, your insurer can help retrieve your lost baggage through providing assistance.
6. Personal belongings protection
You may have been always advised not to bring expenses belongings like DSLR, iPod, jewelry, Mac book, iPhone or smartphone with you when traveling for it may get lost or robbed. But hey, these are some of the things that you need when having a trip! If these valuable things get robbed, lost or broken (which we hope not), it may be covered by your travel insurance given the fact that you hand a police report details and/or other related requisites.
7. Travel concierge services
In case your allergy or headache attacks after making the most of the day wandering in some places and then suddenly realized you forgot to bring your medications, your travel insurance provider can help you locate the nearest pharmacy where you can buy the medicines you need.
8. Stress-free car hire
Hiring a car is a smart way to save money than paying public transportation fees when you are on a trip. However, what you think is a fun adventure can lead to a nightmare when you get involved in an accident, where you have to pay excess regardless if it isn’t your fault. But it is not a problem if you have travel insurance.
9. Personal Liability
Let’s say you were driving a car or riding a motorbike when you accidentally bumped a person and caused him to be injured. If that happens, you will need to let some hundreds or perhaps thousands of dollars out of your pocket in order to send the injured person to the hospital. Isn’t that hard to deal? The good thing is this can be shouldered by your insurer.
10. Coverage for the whole family
Yes, you are not the only one who can benefit from travel insurance because everyone included in the trip can also be covered! So why think twice about getting the best travel insurance in Singapore?
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