You’ve made your travel plans, booked accommodation and are now counting down the days until you head off to your holiday, but what about Travel Insurance?
You may be asking yourself, what does travel insurance cover and do I really need it? We’re going to help you answer all of these questions and explain to you exactly what is covered by travel insurance.
Travel Insurance is available from many New Zealand vendors and there are certain packages which provide you with some control over the level of coverage that you want.
This can make finding the Best Travel Insurance for your trip difficult. Generally, travel insurance packages can provide coverage for the following areas.
Overseas medical expenses are expensive. Even if you have health insurance in New Zealand, that doesn’t mean that your policy is applicable in a foreign country.
Foreign tourists that do not have travel insurance may have to pay the fees out of their own pocket and the hospital bills are often extravagant.
24/7 Emergency Assistance
If anything happens where you find yourself in a bit of a pickle, you can call your Travel Insurance Providers’ phone support line.
An example of when this would be applicable is if you hurt yourself and need to find out how you can make a claim, you can contact your provider and they will give you all the information necessary.
Personal Liability relates to legal expenses for any bodily injuries or property damage to another person.
The amount that is covered is dependent on the travel insurance provider that you are with so it best to see the full details of the policies that you sign up to.
Luggage is one of the most common things that can be lost or stolen when travelling. Travel insurance policies generally cover the loss of any luggage and personal effects while you are on holiday.
Rental Car Excess
Many car rental companies have their own coverage policies when you hire a vehicle, but for some of these companies, their coverage is minimal.
Travel Insurance polices that have rental car coverage can protect you from all damage and accidents incurred when hiring a rental car. The travel insurance policy often takes precedent over the Car Hire Companies’ internal policies.
Cancellation Related Expenses
Whilst rare, cancellations do happen and sometimes packages such as plane tickets and hotel rooms are non-refundable.
Travel Insurance can cover any potential loss incurred if a cancellation does occur.
Travel Delay cover relates to any additional expenses that are incurred because of postponements or hold ups. Delayed flights are the most common form of travel delay.
Delays can add additional costs to your trips such as paying for additional accommodation and food-related expenses.
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When doing your research, you may notice that many travel insurance policies offer similar coverage, which makes deciding which company to go with difficult.
In many regards, choosing Travel Insurance is a price-sensitive decision. With the glimp tool, you can input your destinations and travel dates and we will provide you with Travel Insurance Quotes from all of the top insurance vendors.
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