Holiday season could be the best time for travelling both domestically or internationally with your beloved person (family, spouse, friend, etc.). It is functioning for relaxing after we have do activities for some time. However, when we are travelling, there are still any risks which could endanger us. However, we don’t need to worry since there is one of insurance products, namely travel insurance. What do you need to know about it?

What travel insurance is?

Travel insurance is known by many names including trip insurance, traveler insurance, trip cancellation insurance and trip interruption insurance. It is a cover for the risks you might face in your trip, overseas or domestic. Typically, it covers death, personal accident, medical expenses, repatriation, loss/ delay of checked baggage, passport loss and third party liability.

Types of travel insurance

Generally, travel insurance is dividing into three categories. Here are the explanations:

1. Medical coverage

This type of insurance will cover your health your trip. This travel insurance has several sub categories, such as medical/health policy, medical evacuation, or accidental death and dismemberment.

2. Trip protection

It means the insurance will protect your trip. You can choose one of three options. First is cancellation coverage which help you when you have to cancel your trip for some reason. secondly is delay coverage, it will cover any additional expenses which caused by transportation delays. The last is trip interruption protection which help you to cover in particular condition, such as bad weather, travel company bankruptcy, an airline strike.

3. Luggage/Car Rental Protection

This type of travel insurance will help you to protect you if anything happens into your rental car or luggage.

How to choose the travel insurance?

The first thing is finding the insurance company. You can get the information by researching, asking, or browsing on the web.

Next, please to assess your needs. Here are several things that you should consider, such as the length of your trip, the destination, your general health.

The last thing is comparing the travel insurance features. Try to check your needs with the features offered. Consider these things: what’s covered, and what isn’t, the cost, and the deductible.