If a visit to countries such as Europe, the US, and Australia, travel insurance is indispensable. Why? Because every traveler coming into these countries are required to have travel insurance as a visa requirement.
"Most people book travel insurance to apply for visa purposes. Because without travel insurance, visa they can not get out," said Wibie Indra, Head of Travel Insurance, Mega Insurance, told us on Wednesday (02/09/2015).
Well, what if you do not vacation to the country with the requirement to have travel insurance. Is it possible to use the service?
According Wibie, it returned again to the needs of each. Keep in mind, travel insurance that covers everything from the basics such as health, safety suitcase up and help when the plane delay. In fact, the safety and security of residences can be included in this travel insurance package.
First, first identify what it is travel insurance. Because that is known to the public when you hear the word is synonymous with health insurance or collateral loss of goods. In fact, travel insurance, many of which can be covered.
"During the trip, we were able to cover theft, sick because of differences in the weather, the food, as well as unpredictable risks such as accidents or died," continued Wibie.
Travel insurance protects not only tourists time of the accident only. However, complete protection, including the case of discomfort when traveling, such as aircraft delay, until the unexpected things like the misuse of credit cards, lost travel documents, to injury.
Already widely available many insurance companies are focusing on travel insurance. Some of these include Chartis and AIG. While the program is very diverse, there are individuals, families, and it could be for two people only.
"There are individual, no family. The family consists of a husband and wife are legitimate, and two children," said Wibie.
For a fee, it all depends on the insurance package taken. For example take the primary package, you can get all the protection with compensation up to more than 200%. But the compensation cost is not small. Suppose want insurance that does not make perforated bag can be, but compensation should be in accordance with the fees paid.
The duration of travel insurance vary, ranging from 1 week, 1 month, up to a year. Just choose how long want that.
"There are 1-4 days, 5-6 days 7-8 days, up to a year. As an example, travel insurance for 1-4 days starting from USD 5 to the maximum amount of compensation of USD 25,000," said Wibie.
The purpose of taking the insurance back to each traveler's needs. However there are some things that must be considered. Because of extreme sports insurance is usually not covered. So activities such as diving or mountain climbing has its own insurance.
"We do not cover such activities, but if there is a notice before departing, we can modify it so that the activities of the traveler can walk more comfortably," said Wibie.
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Abdullah Nouvel Syahbal
