23 Jul Top 3 Reasons To Get Travel Insurance For Your Next Trip
Picture the scene: You’re heading off on a 2-week holiday. The weather looks great. Your bags are all packed. And even your flights appear to be on time. You arrive at your destination but your luggage doesn’t! Even worse, despite being warned not to, you packed all of your travel documents and medication into your luggage. What do you do?
The fact is, even the best made plans go awry. Things happen that are out of your control. And when they do, it’s reassuring to know that you have travel insurance in place, to help cover things like lost luggage, cancelled flights, or illnesses while on holiday. If you’re planning some time away, here are 3 top reasons to get travel insurance for your next trip.
1. Lost luggage can ruin a trip
Arriving at your destination without your luggage is understandably stressful. Having to replace the contents of your luggage – including clothing, electronics or medication – is an added expense on top of the cost of your holiday. With travel insurance, whether your luggage is lost, stolen or damaged, much of the cost of repairing or replacing the contents is covered.
What’s more, with some travel insurance, you can specify high value items – like cameras or mobile phones – so if any of these items are lost, stolen or damaged while on holiday, your travel insurance will cover the cost of replacement or repair up to a specified amount.
It’s worth talking to an Insurance Adviser – like those at Max Insurances – about your travel insurance needs to help find the right travel insurance.
2. Accidents and illness can happen on holiday
Getting sick or injured on holiday could put an end to your travel plans. Having to cancel your trip because of an illness means potentially losing all of the prepaid trip costs. An accident or injury while on holiday could leave you with expensive medical bills or hospital expenses, even the added cost of emergency evacuation.
If you need to cancel your trip because of an illness, travel insurance could reimburse your non-refundable travel expenses. And travel insurance also helps pay your medical expenses, hospital bills or emergency evacuation, which could easily run into thousands of dollars. And if you have to return home and cut short your trip because of your health, travel insurance may reimburse you for the portion of the trip that you missed.
Either way, it’s reassuring to know that when accidents or illnesses occur, your travel insurance helps you out.
However, if the unexpected does happen and you don’t have the travel insurance or the savings to cover the medical and health expenses, help is still available – our Personal Lending team at Max Loans may be able to assist with an emergency loan to help take care of those costs, helping you get the medical care and treatment you need quickly at a difficult time. To find out more about what we can offer, give us a call on 0800 ASK MAX (0800 275 629) today!
3. Flights don’t always arrive on time
Flight cancellation or delays are not that uncommon these days. Be it the airline’s fault or a natural hazard, when flights are delayed or even cancelled, it can impact your travel plans. These unexpected events could mean you miss onward connections or lose out on other travel arrangements. You may even need to change or rebook parts of your trip, all of which mean added inconvenience and usually some cost.
With travel insurance, many of these situations are covered, which means you get to focus on enjoying your holiday without having to worry about losing money on missed arrangements or paying to rebook your cancelled flights. In most instances, your travel insurance could even reimburse you for unused parts of your holiday. That’s one less thing to think about while you’re travelling!
Not all travel insurance is created equally
Travel insurance policies can differ quite significantly. The amount of cover, terms and conditions, exclusions and inclusions are quite different depending on which travel insurance you choose. At Max Insurances, we believe that to find the best travel insurance cover, there are three simple rules to follow:
- Shop around and compare policies – As an Insurance Adviser, Max Insurances specialises in helping Kiwis get the best insurance NZ wide and can help you with this.
- Buy before you fly – Buy your travel insurance at the same time you book and pay for your flights.
- Read your policy wording carefully – Make sure you understand what you are and aren’t covered for. And if you have questions, get in touch with an Insurance Adviser– like those at Max Insurances.
Planning a holiday is one of the most exciting things to do, but going on holiday without travel insurance is a risk not worth taking. To find out more about the right travel insurance cover for your needs, get in touch with an Insurance Adviser at Max Insurances.
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