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Traveling always involves uncertainty. You don’t know when your immigration documents might be misplaced leaving you stranded overseas or if your airline will mishandle your baggage. According to Investopedia, travel insurance is any product designed to cover the costs and losses, and reduce the risk associated with unexpected events you might incur while travelling.
Flight cover can help ensure that you never have to spend more on your trip for mishaps which can help wash away anxieties and worries. Getting protection against lost luggage, accident, delayed flights, terror attacks and even loss of travel documents by comparing plans with GoBear’s unbiased comparison tool will do the trick.
The most common types of travel insurance services provided by trusted insurers are:
Single trip - A short-term plan that covers a specific trip usually commencing from, and returning to, Singapore. It refers to a policy that covers a traveller for single return trip. This is ideal for those who are not planning to travel frequently in a year.
Annual cover - This plan covers you or whomever you have insured on the plan for a year. It covers trips starting and ending in Singapore. This means you can travel within a region for up to 90 days per trip. However, you might want to check offers with your insurer because price depends on destination. In some cases, insurance coverage for trips in two or more Asian countries is cheaper with single trips compared to annual cover packages.
Individual plan - It covers just you or just one other person. This applies if you are buying the plan for someone else!
Family plan - Travel is more fun with family! This plan covers you, your husband or wife, and your kids. Some providers limit the amount of family members who can be on this plan.
Group Plan – If you are traveling in a group of five people or more, you can consider buying group travel insurance plan. This provides almost the same benefits as offered in individual plans yet at lower cost.
For most travellers, choosing the type of insurance plan might be a difficult one but knowing your destination and activities that go with the trip can help a lot in deciding.
Are you wondering when is the best time to buy a travel insurance plan? Are you confused whether to buy it before your trip or right after departing? Ideally, you can buy 30-60 days before your trip. You can also shop around by comparing trip insurance plans with GoBear to find better offers than the ones bundled with air tickets. Below are Papa Bear’s recommendations to maximise your insurance benefits.
Buy it before you need it - Most insurers suggest that comprehensive plans that include overseas medical insurance cover should be bought early on. It is not advisable for you to buy a cover right after you identify the need for medical evacuation. Buy ahead of time and provide full protection for your trip.
Same time as first payment is made – Right when you pay the flight fees, you should also purchase the cover which makes it easier for you to compute the total charges.
Close to the first payment – Your budget may have been set to pay for the flight alone but once your booking is done, try your best to buy your trip insurance plan right away.
Knowing what type of traveller you are can help in choosing the right kind of travelling insurance plan that works best for your needs. Moreover, a traveller’s habits and activities can have a huge impact on insurance plan choice.
Some common types of travellers include:
Solo Travellers - People who travel alone for the entire trip are called solo travellers. They embark on a journey without the company of friends and family. Usually, they make acquaintances in every destination but leave and arrive home solitarily.
Family Travellers - These are the type of travellers who explore different destinations with their family with the most reliable travel insurance in Singapore. Whether they are with their parents or siblings, family travellers head to their next destination as one.
Long-Term Travellers - They are not staying out for less than a month. Long-term tourists actually plan out up to 90 days of travel usually hopping from one destination to another. Most of these tourists intend to get immersed on the culture and tradition of the place as they live the same way as locals do.
Business Travellers - These are people who travel with expenses paid by their company. Modern business travellers are composed of millennials sent by their company for business meetings and other corporate functions like trainings and seminars.
Thrill Seekers - These refer to people who travel for fun, adventure sports, leisure and entertainment. They either go for independent international trips whether to enjoy the best offers in the world or just to experience a unique kind of exploration.
Trip insurance is deemed important because not everything always goes as planned. Here are a few of the many reasons why you need to get protected when travelling overseas:
Becoming easy prey
When you go to a foreign land, you become a potential target for pickpockets and people with not-so-pleasant intentions. Travel increases the chances for you to lose your wallet or any of your gadgets. You might even misplace your passport and other travel documents.
Unexpected health risks or Accidental Risks
Getting out of your comfort zone is more challenging to your health than staying within the coziness of your home. You could get injured by falling luggage while on your way to Canada or by a train getting derailed in India. Travelling gets you exposed to elements that might trigger some serious concerns. Great destinations may not have the same quality medication and care compared to what are offered in your home country. Travel insurance companies can save you from unexpected medical coverage expense and even repatriation charges should you get involved in emergency medical or accidental situations needing global assistance.
Problems back home
A family member may have fallen seriously ill that compels you to go back or cancel your trip. This is where flight cancellation or trip curtailment cover works best. You might have wanted to take that trip but situations at home can hinder you so it pays to get an insurance plan that takes care of refund or rebooking fees.
Political and social instability has led to terror threats and travel alerts. Paris, for instance, claims rebounding tourism considering terrorist attacks a few days before their presidential elections. Another concern is the prevalence of crime and violence. Most known destinations are experiencing growth in violent crimes which has been a worldwide concern for tourists. In April 2017, Australian travellers were kidnapped and robbed in Guatemala while a Toronto woman and her American beau went missing after enjoying some good burgers and drinksat Belize’s Crocodile Cove. Problematic locations are being identified by the government to release travel advisories for travellers.
The Singaporean passport is hailed as one of the world’s most powerful in terms of visa-free scores, equally powerful as the German passport. This opens your freedom to explore 122 destinations without a visa this year. However, greater freedom comes with larger risks. An insurance plan will alleviate your possibility of awful experiences entailed with the trip.
Isn’t it great to travel with power and protection at the same time? Hop on to that great Bali getaway or that breathtaking Australian Blue Mountain tour with peace of mind by getting a quote for a holiday insurance plan with global assistance.
Making a claim is not as complex as it sounds. Insurers have set clear guidelines for claiming refunds on charges and fees incurred during your travel that are covered by the policy. Remember, a claim is supposed to lighten the burden from baggage loss or cancelled holiday trip. Getting it acknowledged and approved is as helpful as reading the easy steps in claiming your travel insurance company refund below - to ensure you can cancel for any reason:
Beat the time limit
Insurers have set a time limit to notify them about your claim. Contacting customer service within thirty days after the incident is advised since there are other procedures to undergo and authorities to be involved.
Fill out the claims forms right
Provide accurate details when filling out the claims form from your insurer. Know what you are claiming for, such as post trip medical expenses or rental vehicle excess cover, as there are different procedures that for the covers involved. Claiming for a medical expense may need a process unique from claiming for trip cancellation.
Prepare your photos and documents
These are all considered as evidence for the claim. A picture of tampered passport due to accidents or receipts from a hospital where you have undergone treatment will support the validity of your claim. It may also help to get a letter from your airline stating the circumstance that may have led to the interruption of your travel.
Submit your claim within the allotted period
Submit your claim and get an acknowledgement receipt for it. Provide enough time for your insurer to review your submission. If you think it’s been a while and response is not on the way, contact your insurer and find out what causes the delay. They may need other supporting documents to pursue the process.
Prepare for an appeal
The insurer may have judged the circumstance differently and you need to make an appeal for consideration of your claim. Try hard to search for other information and proof to make your claims better.
Travel insurance policies vary from one insurer to another. It helps to compare insurers with GoBear to land in the hands of reliable insurance companies that sort out the complexities of the claims process.