Travelling is one of the best ways to enjoy life. It offers us a glimpse into the world’s beauty, from its enchanting facets to thrilling adventures, and the authenticity of every corner.
Trip planning offers both excitement, as you create your itinerary and envision your ideal destination, and stress, which comes with booking and handling travel paperwork. Sometimes, on the day of your flight, not everything goes to plan, like natural disasters and medical emergencies, which can cause flight delays and cancellations. What would you do when this happens?
In this article, we will discuss the importance of getting a travel insurance for your trips, insurance requirements, insurance premiums and insurance coverage, as well as available services and claims avaialable to insurers.
Let’s start with a list of what to bring on your trip.
Travel Essentials
What To Put in Your Hand Carry
Passport and Plane Tickets
The most important item to keep in your handbag is your plane ticket, as it’s the first document you’ll need at the airport. Aside from a plane ticket, another thing that you should keep near you is your passport. If you’re traveling domestic, it won’t be necessary to bring your passport, unless that is your only valid ID.
Wallet
Naturally, your wallet, where your money and IDs are stored, should always be with you. Specially during holidays, like the New Year, flight delays can occur, or you might find yourself arriving earlier than anticipated. In these situations, you may need to pass the time leisurely and end up purchasing refreshments or food as this is not covered by airlines all the time.
Tech Kit
A tech kit is a pouch where you store all your cords and chargers for your electronics. Tangled cords can be a hassle and can damage the products as well. Having a tech kit is vital as it keeps your cords untangled, organized, and protected.
Additionally, a tech kit is not specifically for cords only, you can also store your other gadgets, like a pocket WiFi or a powerbank, which is a very essential gadget for long travels.
Pillow and earphones
Long travels require some essential items specially when you’re travelling with family. Airplane seats are often uncomfortable for sleeping on long flights. A neck pillow can protect you from neck and shoulder discomfort. If you have a hard time sleeping, especially in a noisy airplane, noise-cancelling headphones and an eye mask are definite need.
Hygiene kit
Maintaining excellent personal hygiene is crucial, especially during travel, where frequent interactions with others increase the risk of germ transmission. Having a hygiene kit with you at all times is a necessity. The kit should include the following: wipes, sanitizer or alcohol, toothbrush and toothpaste, lotion, sunscreen, and powder. Compliance to health protocols should also be the rule of thumb.
What You Need in Your Luggage
Luggage tag
A luggage tag can help you obtain your luggage easily during baggage claim and in case your luggage gets lost in transit. What you can see on the tag would be your name, email, and phone number; do not put any other personal information like your address on the tag.
For added security, you can also put a bag lock so you wouldn’t have to worry about anyone opening it without you knowing.
Packing cubes
Packing cubes is a network of bags in different sizes. This is a new trending travel item that has been very useful. It is a highly recommended travel essential for keeping your luggage well-organized.
Toiletries
When packing toiletries, you should be careful because there is a tendency for these bottles to burst because of pressure. Make sure that the bottles maintain its seal throughout the trip.
Why Do You Need A Travel Insurance?
Travel insurance provides financial protection against potential risks, losses, and theft that you might encounter while you are traveling. You might be thinking that this is just an added unnecessary expense, but let us show you the benefits of getting a travel insurance:
Medical Coverage
Travel insurance, like health insurance, can provide you with medical, coverage in hospitals, and professional fees of a doctor. You might think that getting travel insurance is a waste of money because you already have health insurance, but getting travel insurance covers some or all of your possible medical costs if you are in a foreign country, something health insurance can’t do.
Stolen or Missing Belongings
Lost luggage is a common issue while traveling, and it can be challenging to get airlines to compensate for your lost belongings when you’re a non- insurer. This is where travel insurance comes in. It can determine and cover the costs associated with missing baggage, making it an important item on your travel insurance checklist.
Flight Delays
Flight delays are a common occurrence, whether due to minor take-off delays or natural disasters. Short delays are manageable, but enduring delays exceeding three hours or more can be highly inconvenient and costly. A good thing about applying for travel insurance is that your travel insurance policy can get flight delay expenses covered and paid – the insurance coverage limit depends on your insurance company; it can cover from meals to hotel accommodations.
Travel Insurance Companies in the Philippines
To get started on your travel insurance, you first have to familiarize yourself with your options. There are a couple of travel insurance companies here in the Philippines that you could choose from. You can discuss your travel details with an insurance agent who can take you through insurance requirements and identify the insurance coverage for your trip. Here are some of the licensed insurance company to consider but it is best to do your own research before you decide and contact a partner agency. Make sure that the contract form or agreement provide adequate services to cover you.
OONA Travel Insurance
Oona Insular Insurance Corporation is an insurance company that is part of the Oona Group of Companies. They offer different types of insurances, like travel insurance, car insurance, business insurance, accident insurance, and the smart flight delay, their most recent type of insurance.
The travel insurance and the smart flight delay insurance are the best insurances you can get in this company. Just pay 149 pesos and you can are automatically eligible to get the smart flight delay insurance. If you want to know more, you can check their website to inquire to them directly.
PGAI Travel Shield Insurance
Prudential Guarantee and Assurance, Inc. is one of the biggest non-life insurance companies in the Philippines. Like every travel insurance companies, they offer both domestic and international insurance. The benefits you can get in their insurances ranges from medical and accidental benefits to traven inconvenience benefits.
Conclusion
In conclusion, securing travel insurance is an important component of a comprehensive risk management strategy. It offers security and peace of mind during your travels, ensuring you’re prepared for unexpected events.
When considering travel insurance, it’s essential to thoroughly understand the insurance policies, including deductibles and coverage limits. Moreover, you need to assess before paying that you can actually afford a premium plan. Take the time to assess which insurance plan aligns best with your specific travel needs and circumstances, ensuring that you have the right level of protection for your journey.
Safe travels!
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