Q. I already have insurance for my medical expenses and accidental injury, so why do I still need to buy Travel Insurance?

A. You need protection for a wide range of risks that might occur during your holiday trip. Even for medical expenses you need a much higher coverage. Costs for medical treatment in countries you are travelling to may be very expensive, or the medical institutes there might require that you give them cash or another form of hospital deposit guarantee before medical treatment is given.

Emergency medical evacuation is very necessary, but costly, in the case of serious injury and sickness. Before your trip, you need insurance to cover the money you paid for your trip and cannot recover in the event that you have to cancel your trip due to:

• illness or injury to you or a family member, travel companion or business partner;
• a witness summons, jury service or compulsory quarantine;
• an unexpected strike, riots or civil commotion at your planned destination;
• serious damage to your home from fire, flood, etc., for which your presence on the premises is required on the departure date.

During your journey you definitely need protection against loss arising from:

• baggage loss or delay;
• loss of travel documents;
• extra travel and accommodation expenses incurred due to the need to replace lost travel documents;
• legal liability for injury or damage to others and their property.

The above risks are in most cases not covered by your personal accident insurance, or your medical insurance benefit amount is not enough to cover unknown medical expenses in overseas countries. Travel Insurance Policies provides you with comprehensive coverage, with a low premium as the travel insurance is only for a limited duration when you are away from home.

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