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Insurance! Is It An Asset When You Travel?

Aug 18, 2007
There is one item that in my opinion must be a travel accessory and this is usually ignored by most people but for the fact that immigration or other traveling institutions make it a provision.

This often neglected "accessory' is insurance coverage. More often than not we limit accessories to physical needs, whereas insurance ought to be our companion while we travel. This intangible accessory is more important that the clothing and food we will always want to get along with. There are so many hazards that can be associated with traveling and we ought to be forewarned of these in order to be forearmed.

The first thing to do before traveling is to cover you against all unforeseen events. This will normally be costly. It will be advisable to verify from your insurer whether your present scheme provides you with coverage while you travel especially if you intend going out of the country. If the answer is in the affirmative, take note that not all your intended destinations will cost the same. For example the cost of insurance to England will be cheaper than that to Indonesia, Iraq of the Democratic Republic of Congo, where war or natural disaster can be a hazard to your wellbeing. The next worry should be the extent and conditions of your coverage. For example you may not be covered in case of injury while in a bus, but you might only be covered in case of death while on flight. Also check out the type of valuables that will be covered by your insurers. Make sure your worries are clarified before you embark on your journey.

The solution to travel insurance is not only that you are insured, but to get what you are actually paying for. For example how does an insurance scheme benefit you if you are provided coverage only in cases of injury while on board and aircraft? You of course know that it may be easier to be injured while you are on the ground. If you rent a car in the course of your trip, also make sure that the insurance covering the car has provision for third parties and for loss to objects found in the car. You may also want to provide insurance for your personal belongings such as jewelleries, laptop computers and even to your pets, if you intend traveling with one. But you must first make certain that these things are in the best of shape for travel. You veterinary doctor should be able to evaluate the pet's health, whether special medications and care will be needed.

Talking about pets, there are certain accessories that you must bring along with you. The pet's cage should not be left out. Also include enough food, water, drugs, towel to soak up your pet if it gets wet. Remember to bring along a strong bridle to strap up your pet from getting loose. An item worth remembering is a tag attached to your pet or a photo of your pet for easy identification and eventual communication to you in case the pet goes astray.
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