Planning for a Family Vacation Abroad? Key Factors to be Considered for your Travel Insurance

When it comes to choosing the right travel insurance for your family holiday, it is important that you understand the key factors that you should consider. Travel insurance is there to protect you and your family should you require it, so take a look at the things you need to consider when you compare and buy travel insurance in Pakistan.

 

Medical Cover

Without a doubt, this is a crucial part of travel insurance because the figures involved with covering the cost of medical care and treatment can mount up very quickly. In fact an overnight stay in Spain as an example will cost at least 125,000 PKR while having treatment for a minor injury caused by any accident (God forbidden), a very common problem, Travellers face is treatment for stomach upset which may cost approximately 300,000 PKR in France as usually it requires two to three days in hospital, an emergency case for a broken bone in the Zurich, Thailand, Singapore may cost thousands of dollars abroad and may take a full year of your wages in treatments. Therefore, when comparing plans with the likes of Pakistani Insurance companies like Jubilee general insurance, IGI Insurance, Askari general insurance, Adamjee insurance, Crescent Star Insurance or EFU insurance, you want to aim to get the maximum medical cover offered by their policies. Mawazna.com provides you with an easy way to compare the medical cover for your travel insurance needs. Worth highlighting that medical costs and lost baggage abroad can cost you a lot of money to cover and that is why travel insurance is vital.

 

Cover for a Missed Flight

Some insurance policies will not cover you for a missed flight if it is your fault. The idea behind travel insurance is to protect you should it be out of your control. If you hit traffic or if your car broke down when going for the airport accidentally, then there is a possibility that you are covered for such incidents. However, every travel plan is different and that is why you should always look for the details of your plan and compare the travel insurance deal being offered in Pakistan.

 

Covering Lost Luggage

When you go on holiday with your family, there is every possibility that you have packed a lot of belongings and you may lose your luggage due to some reason or mishap by the Airline operations. Therefore, when you are comparing plans you should ensure that lost baggage is covered although bear in mind that many will not cover you for lost electrical items such as laptops or cameras.

 

Taking Part in Activities

You are going on holiday which means that you are likely to want to go out and explore and take part in activities. Many of the Pakistani insurance providers will understand this. This will mean if you are injured while riding a bike or fall of some rocks at the beach, the majority of policies will pay out. In fact, many of them will even cover the more adventurous activities such as skydiving or bungee jumping. However, it is important to take a look through the policy before purchasing to make sure the activities you have planned are covered.

 

Proof to Back Up Your Claim

All Pakistani Insurance companies will require you to provide proof when you make a claim for travel insurance. So, if you are a victim of crime and report it to the police you will have to ensure that you get a crime number or reference number or if your plane is delayed and that results in you missing a connecting flight then ask for proof of the delayed flight from the airline. It is a nuisance to have to get all of these details but they will make processing a claim a lot quicker and easier.

 

Travel Insurance is Essential

There is travel insurance to suit all budgets although they will offer different levels of cover. However, you do not want to pay the price of a missed flight or for being the victim of a crime because that is not your fault. This means that you have to review all the available travel insurance plans and compare all of the plans on offer and find one that is right for you because you will need that peace of mind while you are travelling and the sort of engagements you are going to have during your travel period.

 

Mawazna.com is a leading financial services comparison platform in Pakistan that enables consumers to make more informed decisions when choosing financial products and services including travel insurance, car insurance, health insurance, offered by leading insurance companies of Pakistan. Visit us online to compare banking (personal loans, car loans, home loans, credit cards, bank accounts), insurance (car insurance, travel insurance, and health insurance) and broadband products to make more informed decisions.

 

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