Many tourists question the importance of travel insurance. Basically, travel insurance is useful to protect yourself when an accident or bad risks occur on the way. Many countries require tourists to have travel insurance before arriving in the country. European and American countries certainly require you to have travel insurance. Travel insurance covers many types, the most common is international. This insurance protects you from medical risks within the specified time period. There is also annual insurance, which covers domestic and international trips with various needs throughout the year. There are companies that provide special insurance for Hajj and Umrah, as well as domestic insurance that protects all travel. There is also a student assist namely special insurance for students undergoing education abroad.
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| the importance of travel insurance |
Now, you don't need to come to the insurance office just to register for travel insurance. You can choose what type of insurance to take. You can use a credit card for insurance premium payments. What travel insurance is covered? Basically all travel insurance covers the medical costs of tourists while abroad. But apparently, there are some additional premiums that can be purchased for other protection. "Travel insurance also protects against baggage loss, or aircraft delays," Julian said. Many passengers complain about losing baggage, many airlines do not compensate or just replace a small portion of lost items. With additional premiums from travel insurance, you will get compensation if the suitcase is lost. "There is also protection for the house. It is for those who travel and leave home for a long time," Julian added.
What if there is terror in the destination country? Lately, terrorism cases have taken place in several countries. Starting from the shooting in Paris, the coup in Turkey, to the case in Germany a few days ago. Not many people know, travel insurance also protects you from the risks of terror like this. "If the destination country tends to be unsafe or dangerous, you can apply to the insurance company for extend or additional premiums," Julian said. You need to pay an additional fee for this premium. Just like an additional premium on the protection of a house left during a vacation. "Usually insurance companies that provide travel insurance and collaborate with travel agents have the same agreement or thought," Julian added. More specifically, Julian stressed, travel agents may not sell tourist destinations for countries that are not safe.