Saturday, December 24, 2016

What I Wish I Gave Myself This Christmas

Santa Rosa, Laguna, Philippines. It is the season of giving! And more often than not, aside from empty pockets, knowing what to give has been one of the biggest dilemmas we always face. Right? So I will take advantage of this moment to tell you what I think is the best present you can give yourself and your loved ones!

... and I'll keep the chase short: TRAVEL INSURANCE. Don't get me wrong, I'm not promoting anything in particular, but I'm raising the awareness that as travelers, regular or not, we all need one. Life is unpredictable, and I'm not saying that we should expect the worst, however, even though it sounds cliche, prevention is always better than cure. May it be a business or leisure trip, we can't control e v e r y t h i n g. Nobody said it will be definitely easy traveling in a different province, city or country. And hey, ho! Hi to all solo backpackers like me, let's keep ourselves safe. Always

If you love someone, protect them!

Actually, it doesn't cost millions to have a travel insurance. There are travel insurance companies that offer their plans for as low as Php 50.00/year. Yes, you've read it right, it's that affordable. That covers both domestic and international. But for some countries like Europe, United States and United Kingdom, they are quite strict with their tourists' insurances. They have approved insurance companies, so do a research beforehand if you're about to set foot on these places. Not all travel insurance plans are the same, so don't be too over confident if you were able to obtain one. Read the coverage (how much is the principal rate and if it's just local, international, or both) and see if it suits you. Take note that plans can be yearly, monthly, or even be a specific number of days that you are traveling. Be smart and know what's best for you.

Here are some reasons why we need a travel insurance*:

1. Protection
You are not in your own country. If you encounter issues with your health, your Mom can't definitely be there in a snap! Remember that medical treatments in some countries cost more than you know. You don't want to be stranded in a hospital, don't you?

And when I say protection, this includes your luggage. Let's say you work wherever you are (okay, that sounds like me) and your luggage has been lost, damaged, or stolen, you are responsible for everything. But with an insurance, these can be reimbursed. 

By the way, some insurance plans offer 24-hour emergency assistance. So if you travel solo, and if you are in danger, you know who to call. 

2.  Emergency
Just in case you badly needed to be transferred to another hospital, or if you have to come home because of an urgent matter, having an insurance can save you. 

Also, disruptions such as delays in flights, cancellation or even things that get out of control are covered by some insurance companies. Some airlines offer such plans even while you're booking your flight.

3. Thrill-seekers
A lot of travel insurances don't cover risky activities, but some companies, like WorldNomads, believe that we "live for adventure." If you're a dare-devil, might as well check plans as such so that you'll be worry-free when you're into some action!

There are a lot of travel insurances to check out- WorldNomads, LonelyPlanet, Malayan, Pioneer, Travel Sure, and a whole lot more! Before enrolling yourself or a friend, it's best that you know what's suitable and what plans fit the most for all of you. Having an insurance secures you and throws all your frets away. To travel is to live, but to travel safe is a must. Your life matters most! Happy holidays and cheers to another year of adventures!

*policies differ per travel insurance company. Please contact your agent about it.

P.S.: I got myself an insurance this Christmas :) Title for attention.

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