Thailand is an absolute jewel of a country, which has bustling market explore, great beaches to relax and enormous delectable food to devour. But such exciting holiday trip comes with a tiny bit risk that you might get food poisoning amid of your adventure, slip on a rock by the water when you go for swimming, perhaps lose your luggage at the airport. So getting yourself travel insurance before your trip to Thailand will be a very smart move. Here is everything that you need to know about getting your travel insurance covered.
What you can get covered for:
These are some typical things that you might need to claim on when you are overseas in Thailand.
Cutting your holiday trip short: Something might happen amid your trip or back at home which may force you to abandon your trip. In this case, you may get covered the trip back to your home. Your insurer also covers a cost of cancellation and fee for amendment.
Luggage and cash Theft: In case your luggage and cash are stolen, you will get covered to get some or all your money back if you report with 24 hours of the incident to the police or the insurer.
Medical expenses: Your travel insurance policy will cover you to get treated for your health condition.
Rental vehicle excess: If you get in an accident with your rental vehicle, you may have to pay an extra cost. However, your travel insurance may cover you to pay the excess payment. So, you will have one thing less to worry about.
Delay in travel: I case you miss anything important on your itinerary or you are delayed your travel policy may cover the cost of your missed trip.
Document and credit cards theft: You don’t have to stress too much in case you lose your documents or credit cards, as it is included in your travel insurance policy.
If you are travelling with your kids, all you have to do is let the travel insurer know that your kids will be accompanying you, so that your kids will get covered to the same effect as you are.
Common exclusion of your policy: Sometimes simple activities like trekking or scuba diving are not covered by your policy. This will become a risk for not being an able claim. If you are not interested in these activities, these can sometimes be included in your policies as extras. Make sure of what is included in extras before departing.
Unattended belongings: Your policies may not cover if you have left your belongings unattended. Sometimes, the insurance policy will not cover the theft of items which is left in the motor vehicle.
Pre-existing conditions: Your pre-existing medical conditions are not covered by your travel insurance. Or the illness you get by not properly vaccinated before you depart will be covered by the insurer.
Actions undertaken under the influence: You may be exempt from claiming the insurance if your intoxicated or have taken drugs. You will not have to worry about this if you keep it, clan, while you are overseas in Thailand.
Choosing the right Travel Insurance: Choose travel insurance that will suit your travel requirement and needs. You have to research and compare various insurance companies and plans extensively offered by them. Moreover, it is very important for understanding the company’s claiming processes, documentation procedure, payment option, hospital network, coverage and exclusions. Always keep your policy number and the insurer’s toll-free handy when you are travelling.
The time duration of Travel insurance: Travel insurance can be applied for a maximum of 180 days and the policy can be extended for another 180 days with the permission of the insurer.
Insurance premium: Calculation of insurance premium depends on different factors such as age and number of travellers, duration and country.
Complimentary Travel Insurance: A lot of travel agency, Banks, airlines, telecom companies, tourist agency offer complimentary travel insurance for their customers which will enhance their service satisfaction.
To be practical, every traveller needs some travel insurance to get cover unforeseen risks.
