Travel insurance cover is basically a necessity if you were ever to commence on a journey, domestically or even overseas journey. Travel insurance are created because we are aware of the danger of travelling without any financial support if there were misfortunate events to happen upon ourselves such as cancelled flights, lost of baggage or personal items and many more to list. Travel insurance cover in a way is a form of backing you up financially if those unfortunate events were to happen and here’s a list of what PolicyStreet’s Travel Insurance got you covered (or not).
Travel Insurance Cover includes Trip Cancellation and Service Interruption Insurance
Everyone hates it when their flight is cancelled or they have to went through several hours of flight delay. And no one really wanted to cancel their trips abroad because of our destination suddenly is stricken with some political unrest or even unexpected natural disaster. Well, don’t let your time waiting and the money spent goes to waste. With our travel insurance, you can claim for your missed or cancelled flight and get reimbursed up to RM18,000.
Travel Insurance Cover Excludes…Changing Your Mind
What we don’t got you covered however, is when you missed your flight as a result of your own unawareness or you just changed your mind on travelling in that particular destination. Or policy only covered serious cases, and changing your mind is not one of them. Missing your flight because you couldn’t be at the airport on time would also not be reimbursed, as it would seem that you were missing it on purpose just to get the reimbursement money.
Travel Insurance Cover includes Baggage and Personal Items Coverage
Most avid traveller will face the disastrous event of the airlines losing their baggage while they were hyped up to go on a trip at least once in their lifetime. This will surely wiped out all of the excitement of travelling. We may not get your specific items back but we what we can do is reimburse the cost of damage being done. Also, travelling to another country is also a high risk as you will have the possibilities of being mugged, victims of pickpockets or purse snatchers and many more. When that happen, PolicyStreet’s travel insurance cover will got you back as well, so enjoy the rest of your trip.
Travel Insurance Cover Excludes Leaving Your Belongings Unattended or Lack of Documentation
However, we don’t back you up if the regrettable events were caused due to you being careless such as leaving your belongings unattended. It is logical to uplift the understandings of “to err is human, to forgive is divine”, and we do forgive you nevertheless, we just don’t got you covered for it. Also, make sure you have all the documents if you were to claim your missing luggage and lost of personal items (due to acceptable reasons, of course) such as a police report and a few other documents. Also, it is best that you keep the soft and hard copies of those documents for any future use.
Yes! Travel Insurance Cover includes Emergency Medical Insurance
As we said earlier, travel insurance is for preparation of the unexpected. No victims of accidents abroad or domestic predict that they were about to be hit by a car or even motorbikes, it is called ‘an accident’ for a reason. As it is unforeseen, you ought to be unprepared to have an extra amount of money for your or your family member’s medical expenses. That’s where our Travel Insurance came to the rescue, as we reimbursed up to RM15,000 for individual plan and we also will cover the cost of medical evacuation if the needs ever arises.
Travel Insurance Cover includes Dental Care due to accident!
Although dental care is a part of medical expenses, unfortunately we do not cover the cost for it. Specifically, we it’s a no-no for us to pay for your scaling, crowning, fillings, orthodontics procedure and any other dental care procedures as it is not considered to be an emergency medical care. It’s deemed as a basic dental care and as a result that expenses will be from your own pockets. Despite that, we do cover those expenses if it were caused by an accident or injuries that you acquired while you were embarking on your great adventure.
Of course, travel insurance covers Accidental Death Insurance
We can never foreseen our own deaths, be it when are we going to die, or how we will leave this life. No one really knows when and how they are going to die. So, it is best to be prepared with a travel insurance than being clueless and no financial resource to handle a death of our travelling partner or even our own. There are many expenses needed to be paid like the cost of flying back home, the funeral arrangements and many other trivial things. So, be insured! To ease your financial burden, our travel insurance covers accidental death occurred in your destination and reimburse to the beneficiary up to RM200,000.
Travel Insurance Excludes Coverage For Engaging In Reckless Activities/Behaviour
On the other hand, for death or accidents caused by you engaging in reckless activities such as driving under the influence, driving without taking safety measures, went for extreme sports like skydiving, skiing, bungee jumping, surfing or others, are not covered by our insurance. We do however, provide an optional add-ons for activities relating to extreme sports as aforementioned, so unless you purchased it, we would not back you up if you were ever to file a claim. It is not included in the initial travel insurance cover as most average Malaysian travellers went abroad or domestically for sightseeings, that is why it is an add-on since it’s not a norm.
Uh-oh, Travel Insurance Does Not Cover Travelling Against Government Advice
Before you get on board, does our government have a restrictions for Malaysian to visit the country of your destination? If no, you’re good to go. If yes, you better reschedule your plans for a visit to that country as this is an obvious sign that your destination is not safe for Malaysian tourist. There must be a reason why the government restrain visitors going there, and due to this, any travel insurance policy in Malaysia (including PolicyStreet’s) would not cover you assuming that you still decide to go there and something’s were to happen to you. So, think twice, it’s better to be safe than sorry.
PolicyStreet’s Travel Insurance
Now that you have read our article till the end, you know what we do and do not cover with our premium insurance policy, if you’re interested, head on over to our website for more information at PolicyStreet and purchase our affordable travel insurance. Our premium policy starts from RM16 per trip and you can get medical reimbursements for up to RM300,000.