Many people do not buy travel insurance in Malaysia as consider travel insurance as something that is not needed and makes the travel more expensive. But what they do not consider is what might happen when something goes wrong during your travels or when you get to your destination. Anything can happen and it is always good to expect the unexpected, that is why we usually pack extra clothes, in case our current clothes get dirty, we can change into new and clean ones.
The same can be said about pens, you usually have 2 to 3 pens, just in case you lose the first pen, you have a back up, and in case you lose the second one, you have another back up. This is what travel insurance is. If you lose your baggage, or your flight gets cancelled, it will repay most of what you have lost or whatever that has caused any inconvenience. Things these days cost a lot more, so instead of blowing all those money away, buy travel insurance in Malaysia.
Sudden Need To Cancel Your Trip
We all know that this can be applied to almost any event or plan that has been planned for a long time, inconvenient problems may come out of nowhere and ruin everything. Just like a vacation trip you’ve planned with your family, you have packed and got your tickets ready, suddenly someone falls seriously or when you are needed at work, etc. When you buy travel insurance in Malaysia, with its trip cancellation coverage, you can recover your expenses that have been wasted.
Missed Connection
Some of us may have planned for a cruise trip, we have our flights connecting us to the ship scheduled, but sometimes it may be delayed. What is going to happen next? You miss your entire cruise trip and all your money? How will you catch up to the ship? Some travel insurance plans has missed connection coverage. If you decide to buy travel insurance in Malaysia that covers this benefit, you then can take another flight to catch that cruise ship on its next port.
Flight Got Cancelled
Once you have had your fun at your desired location for your vacation, you are returning home. Unfortunately, some issues have arised and interrupted your trip. Natural disasters can always happen anytime, and it just so happens to be tornadoes, to protect everyone’s safety, including yours, your flight home has been cancelled. How will you find your way home now? Trip interruption coverage that is offered by some plans will allow you to get a refund and get a new ticket home, in the meantime, you can stay at a nice hotel.
Destination Gets Damaged By Hurricane
Some of us may not have the on hand cash for immediate vacation trips, most of us need to save up for at least a year. Once saved up, you make your bookings, the flights and the hotel with the duration of your stay. But all of a sudden your destination gets obliterated, the hotel is destroyed by a hurricane.. Will you lose all of your hard earned and saved cash? Travel Insurance also covers weather damages.
Terrorist Attacks
The dreaded terrorist attacks, we all do not ever want this to happen but it is entirely out of our hands to do anything about it. It is a big problem, and of course it can also cause airports to be closed, so what if your airport gets closed or your destination airport gets closed. What can you do now, lose all your money? Of course not, with terrorism coverage, you can cancel your trip without losing all of the money you have spent on it.
Falling Sick or Getting Injured
Getting sick is a pretty bad thing to happen when we are travelling, worse is getting injured. Some of us love swimming in lakes, but there are many types if bacterias in lakes. What if you get sick, or hit a rock and get injured and in need of immediate medical attention? Having the decision to buy travel insurance in Malaysia that contains medical coverage means you will not be paying a tremendously huge medical bill. You will be able to get the help needed and without spending even more money for nothing.
Belongings and Baggage is Delayed or Lost
Getting our things stolen is not something new, we get minor things stolen or lost all the time, a simple example is our pens, or something a little bit more expensive is our phones. But what if when we are travelling? All we have are our baggage, if that gets stolen, what is going to happen now? Spend even more money replacing what you have lost instead of spending the money on other things? With coverage for luggage that is lost, stolen or damaged, you will be reimbursed with new sets of clothing and personal items. The decision to buy travel insurance in Malaysia is definitely a sound one.
Losing Your Passport
In addition to losing our luggages and our belongings, we can also lose our passports. You we so excited with everything going on, you accidentally left your bag at a restaurant and in it was your passport. Passports may be expensive to get, replacing it and getting a new one will cost even more. With coverage for lost passports, you will have the help in shortening the process of getting your passport replaced or paying for a new one.
Emergency Medical Evacuation Needed
When travelling with your family and loved ones, anything can happen, one of the most unfortunate things that may happen is one of them getting sick, and even so, it is an dangerous illness. Your loved one will need immediate medical attention, you need a medical evacuation, but this typically cost tens of thousands of dollars. If you are covered with medical evacuation, you will not be spending anything for it, if you do it will not even be too much.
Travel Company Goes Bankrupt
Companies go bankrupt all the time, and you usually never hear about it till the end because they are always trying to save the company. But what if your travel company or cruise company declares its bankruptcy, will you lose all the money you have spent on booking the trip? Trip insurance that covers financial defaults will help greatly in this area, you can recuperate expenses from this problem and may even reschedule your trip.
Conclusion
Travel insurance may be a simple thing from its surface understanding, but there are a lot more benefits that can be reaped from your decision to buy travel insurance in Malaysia. Considering that there are so many tragedies that can arise during traveling, it is always better to be prepared that be sorry later. AXA Smart Traveller Travel Insurance, is something to be considered when you are travelling, you can read more about it at PolicyStreet.com. With just RM13 per trip, you don’t have to worry about any mishaps that might happen when you’re travelling.