Traveling to Asia is increasing in popularity for many Americans due to the relatively inexpensive costs incurred once in the destination. Hotel accommodations, food, and souvenirs can be found for cheap if one looks hard enough. However, depending exactly where you choose to travel when you book one of the many Asian tours that are available, without travel insurance in place, you may find yourself paying more out of pocket than you budgeted for. Low travel insurance prices can be found if you shop around and compare different plans.
Travel insurance prices include several insurance coverages. Trip interruption and cancellation will protect you against financial loss should you need to cancel your trip before you leave or if you have to cut your vacation short to return home because of an emergency. Most tour companies and airlines implement cancellation penalties no matter what your reason of cancellation is. With travel insurance, you can be reimbursed for these penalties if you cancel due to a covered peril. If you are in your destination and must return home for a covered reason, then travel insurance will pay for a one-way ticket back to your point of origin and reimburse you for the unused portion of your vacation.
Flight and travel accident insurance will cover you if you are injured or killed in a plane crash or other accident. It is similar to a life insurance policy in that it pays a lump sum in the case of your death or dismemberment.
Baggage insurance is also included in case your luggage is lost, damaged, or delayed. Many people have experienced situations in which their luggage did not show up to their destination for several days. It is inconvenient and stressful if you have to buy new clothes and toiletries as soon as you arrive in your destination.
Emergency medical treatments and services are also covered by travel insurance. If you are in an accident or become sick, this insurance will pay for medications, hospital stays and other medical services. Low travel insurance prices can easily be found when you book your initial trip or by shopping online and comparing different travel insurance plans.
Asian tours can be exotic, exciting, and unforgettable, but don’t make it unforgettable for the wrong reason. Make sure to secure a travel insurance policy to protect you before you travel and while you are in your destination of choice. Travel insurance offers financial protection, emergency medical coverage, and peace of mind.