'Protect yourselves with travel insurance'

KOTA KINABALU: Travelling is certainly exciting, especially when people travel for leisure, however, sometimes, things may not go as planned like luggage may go missing, flights may be cancelled or delayed."Which is why, one of the most vital measures that travellers should consider is protecting themselves and their loved ones with travel insurance when they are going away," said Allianz General Insurance Company (Malaysia) Berhad Sabah Regional Manager, Alex Cheong.

With the protection of travel insurance, travellers are covered for contingencies or unforeseen circumstances while they are away. These include medical costs in case of any medical emergency or hospitalisation, theft, flight cancellations or delays or even loss of baggage and belongings among others.

Some travel insurance policies also provide protection for the homes of travellers while they are away.

However, there are many points to look out for when purchasing a travel insurance policy. Some of it being if the coverage includes any pre-existing medical conditions, as well as on how many consecutive days abroad one would be covered for.

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Limits may vary depending on the provider and it is crucial to provide the accurate date from the day of travel to arrival. There are also many plans available for families travelling together, senior citizens, individuals and children with packages varying for worldwide, Asia or domestic destinations.

Furthermore, individuals who are planning for an adventurous or action-packed holidays such as water sports, winter-sports or others such as bungee-jumping can be covered as well with an additional premium paid which also provides some coverage to sporting equipment.

Another important fact to note is that all travellers who purchase a travel insurance policy must understand the scale of benefits in the policy. A nomination in the policy could ease claims processes during unforeseen circumstances.

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After a travel insurance policy is purchased, travellers are advised to be vigilant and be aware of what they should do in the event of any unexpected incidences.

They should remember to keep important documents, receipts and reports that will assist them in their travel insurance claims upon returning. They can always check for more details from their insurer of choice. "Even if you have already booked your holiday, it is still not too late to purchase a travel insurance policy within the same day," said Cheong.

Try 1 month for RM 18.00

Try 1 month for RM 18.00

Try 1 month for RM 18.00