It is obvious Singaporeans love travelling. They go overseas on long weekends and even have pre-nuptial shooting and shopping on neighboring countries. There are times when Singaporeans, especially the youth, get into trouble by having too much fun, or by getting into unforeseen circumstances.
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If you are abroad alone, with loved ones or friends and something came up, who will be there to help you cover unexpected finances? Certainly, the Ministry of Foreign Affairs can help you track your family back home and tell then your unfortunate condition; however MFA won’t be much help on monetary needs. This is why you need travel insurance even if you think everything will be fine.
Avoidable Troubles Singaporeans Get Into
Asia One recently shared the ten best travel destinations for Singaporeans with New Zealand, South Island on top of the list. Since there is a chance that you will spend a holiday in a certain tourist spot once in your life (because most would rather visit a different country for the next holiday) you would want to try the extreme activities such as sky diving, scuba diving, parasailing, cliff diving, paragliding, snowboarding, and bungee jumping it has to offer.
However if your heart is not a hundred percent into it because of the high risk it involves with the thrill, better stay away from them. Accidents happen in unexpected times, and you don’t want any of it especially if you are out of the country. On the other hand, if you love the thrill, take time to review which travel insurance covers such sports.
Eating like Locals
You are a tourist, and of course when you get to places like Thailand, Indonesia or Japan, you would love to try the authentic cuisines and street foods their culture has to offer. There is nothing wrong with eating their delicacies, but be careful where you buy them. Look around the shop; observe the food preparation process and the number of people buying from the stall. Of course you want to stay away from spending the rest of the holiday curled up in bed with stomach ache. If worst comes to worse, you would have to be admitted in a hospital.
Purposely Not Mentioning Pre-existing Medical Conditions
You want to avoid paying higher premiums, so you left out the fact that you have pre-existing medical condition when applying for travel insurance. By omitting a simple fact, you might have just beaten the main purpose of travel insurance, and that is saving money.
If your insurance provider was not informed about your medical condition, and your flight was cancelled due to this illness, you had most probably lost eligibility for the insurance benefits. You did not only lose money for cancelled flights, you did not also gain the advantage of having a travel insurance you might have been and will be paying for months.
Drinking too Much
Travel insurance usually will not cover you if you get intro any trouble caused by getting too drunk or high with non-prescription drugs or medication. It is your responsibility to drink only as much as you can handle and stay away from prohibited drugs.
Trusting too Friendly Locals
Singaporeans being robbed in other countries happens from time to time, yet some of these incidents could have been avoided if some Singaporeans had not been too trusty with the locals. Some locals can get too friendly, and while some are just plain good hosts to their country, others would lead some unsuspecting Singaporeans into places where they get robbed and mauled.
Coverage of Travel Insurance
Travelling to other countries, no matter how short it could be and how famous the destination is, involves risks. In times when you are in a foreign land, who will protect you and your welfare? Accidents and unwanted things happen in the least expected moments despite a well-planned holiday, and this is why it pays to have travel insurance.
A lot of travel insurance is floating in web for Singaporeans to grab, it is better to compare various products, services and insurance providers. Look into its benefits, coverage and terms, because this insurance can be the last string of hope you can cling to.
If you have already booked a family flight for the holidays, yet you suddenly have to cancel due to an unanticipated situation such as a loved one getting ill or your tour agents vanished, your travel insurance can cover the expenses of the tickets.
Emergency Medical Expenses
If you suddenly get sick while in the middle of a cruise and need an on-land hospital treatment, there is no need to wait until you get to the next destination as it may take a day or two, you can request an emergency medical chopper to fetch you and take you to the nearest hospital to aid your child. As you imagined, expenses will be astronomical, but if you’ve got a travel insurance your overseas medical expenses will be covered up to $2,000,000.
Emergency Telephone Charges
Should there be any form of emergency and you need to get in touch with your family back home, your travel insurance has this covered too.
Travel Inconvenience includes travel cancellation due death, serious injury or sickness, your home residence has been flooded or affected by natural disaster a week before the travel date, you have been given a witness summons, and a major event took place on your destination such as a disaster or public unrest.
Travel insurance covers the expenses sustained for the homecoming of your remains to Singapore in the event you pass away during the trip.
Baggage Delay and Lost
It is not unusual to hear incidents when Singaporeans lose their baggage abroad or even in flights. There are also times when the baggage is lost in other flights, left behind, or delayed.
Kidnaping, Hostage and Mugging
Of course this is one of the rarest, yet also one of the most feared incidents when travelling abroad. Ask your travel insurance provider about their coverage with this.
Various travel insurance has different add-ons, benefits, coverage and prices. Take time to compare each, and if possible get in touch with the provider to answer your inquiries. While many think that it is unnecessary to get a travel insurance, it is better to protect yourself, your family, and your finances. Do not take chances, because it is indeed better to be safe than sorry.
If you need fast cash to avail a travel insurance, Cash Mart is the right place to get a personal loan to pay for it. It offers easily processed low interest personal loans with flexible terms specially created for you. The earlier you start, the better and assured you feel when travelling.
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