Travel insurance may not sound sexy, but it is undeniably a sound investment to make. We spoke to Robin Cline, host of The Intrepid Traveler Podcast, about the importance of travel insurance and what to consider when taking out a policy.
Here are Robin’s top tips:
1. Medical Coverage Matters
Many travelers assume their regular health insurance will cover them abroad, but this may not always be the case. It is essential to review carefully and understand the terms and conditions of your health insurance policy, including limitations on coverage in foreign countries.
2. Don’t Skimp On Trip Cancellation Coverage
Cancellation coverage is crucial, especially when it comes to protecting your investment in high-cost, once-in-a-lifetime trips. Unexpected events, like flight delays or medical emergencies, can disrupt your plans, but travel insurance can provide financial protection and peace of mind.
3. Seek Expert Advice
While some may opt for insurance offered by airlines or tour companies, these policies often have limited coverage and lower limits. Working with a travel advisor and purchasing third-party travel insurance can provide more comprehensive coverage tailored to your specific needs.
4. The Significance Of Setting Up An Account
Setting up an account with your travel insurance provider before your trip is key. Not only does it allow you to manage your policy and add additional aspects to your trip coverage, but it also gives you access to important documents and emergency assistance services. Plus, when it comes to the moment when you actually need to file a claim, having an account will streamline the process and make it easier to upload all the necessary documents.
Ultimately, Robin emphasised to us that travel insurance is not just a luxury; it’s a smart investment in protecting your adventures. Inevitably, bad things can happen, regardless of how meticulously we plan our trips. So whether it’s medical emergencies, trip cancellations, or unforeseen delays, having travel insurance can truly be a lifesaver.
If you would like to plan your dream holiday to Africa, whether it is our homeland of Kenya or elsewhere, then please do get in touch, we would love to hear from you.