Never miss a story

Get subscribed to our newsletter

Travel insurance is a lot more than just health insurance. Pixabay

Travel insurance is very important for every single person that wants to be guaranteed proper emergency care in the event something goes wrong. Based on the policy that is bought, this can include coverage for lost luggage, scuba diving injuries, hiking falls or even the need to cut trips short because of family emergencies.

The problem is that travel insurance is not properly understood by many. A lack of knowledge led to numerous misconceptions. The most common ones are presented by below.

Does Travel Insurance Just Mean Health Insurance?

The insurance is a lot more than just health insurance. There is a clear medical component included when faced with accidental injuries or sudden illnesses. At the same time though, travel insurance covers trip interruptions, gear theft, trip cancellation, and even emergency transportation when it is required.

With proper research, you can choose a reputable travel insurance company. Pixabay

It Is Possible To Choose What Doctor To Go To

Travel insurance does not cover health insurance and should never be seen as being that. It is meant to cover emergencies that were unexpected, like popping eardrums or breaking a leg. With travel insurance, you are covered but you cannot choose what doctor you go to. When you make this choice, you forego travel insurance and you have to pay for everything.

Is Credit Card Protection Enough?

Credit cards offer highly limited protection. There are some that will cover lost funds if the card was stolen and some medical procedures might be included. However, the protection that you get is never actually enough to deal with serious situations. When something is covered, the limit is usually very low. At the end of the day, you are the one that has to pay the money difference.

Please follow NewsGram on Instagram to get updates on the latest news

You should never rely on the coverage offered by your credit card, except for the stolen items.

The Way In Which Travel Insurance Works

When a serious medical emergency happens and overnight hospitalization is needed or you need emergency repatriation, emergency assistance has to be contacted. Arrangements can be made immediately and costs can be approved. With other situations though, like an admission to a hospital for a minor injury, reimbursement needs to be claimed from the insurer.

Travel insurance is very important for every single person that wants to be guaranteed proper emergency care in the event something goes wrong. Pixabay

Payment is made out of your pocket and then documentation is submitted to your travel insurance company. Always keep the entire documentation and file necessary police reports. All the receipts need to be saved. No travel insurance company can reimburse people based on your word.

All Travel Insurance Companies Simply Want Profits

When you look online for reviews about travelling insurance, you quickly figure out that most are negative. This is because of two things:

Also Read- A Beginner’s Guide to Building Credit

  • People do not read the entire contract and end up thinking that they are covered for things that they are not.
  • People tend to write reviews only when something bad happens and they do not do the same when the experience is a positive one.

With proper research, you can choose a reputable travelling insurance company. It is not as difficult as you might initially think. You just need to be patient and compare all available options so you can make an informed choice.

[Disclaimer: The article published above promotes link(s) of commercial interests.]



A visitor looks at statues of the 'Royal treasures of Abomey kingdom' on display at the Musee du quai Branly in Paris on Sept. 10, 2021, part of 26 artworks set to be restituted to Benin later in the year.

PARIS — In a decision with potential ramifications across European museums, France is displaying 26 looted colonial-era artifacts for one last time before returning them home to Benin.

The wooden anthropomorphic statues, royal thrones and sacred altars were pilfered by the French army in the 19th century from Western Africa.

Keep Reading Show less

Logs cut from virgin Amazon rain forest are placed in a pile, in Brazil's northeastern Amazon region, February 11, 2008.

GENEVA — The battle to stem climate change may be lost as new information indicates the Amazon rain forest is turning from a carbon sink – or area that absorbs CO2 – into a source of carbon dioxide, the World Meteorological Organization warns.

The latest edition of the WMO's Greenhouse Gas Bulletin reports emissions of carbon dioxide, methane, and nitrous oxide once again broke all records last year.

Keep Reading Show less
Photo by Amy Elting on Unsplash

Let us educate each other that we are all beautiful in our way and don't need to fit in the so-called standards set by our draconian society.

Receiving compliments is something that a majority of us enjoy. Compliments, after all, make us feel good about ourselves. Sometimes compliments intended to be flattering turn out to be a tremendous turn-off, and in some cases, they are insulting. 'Beauty with brains is one of those compliments. So, is 'beauty with brains' a compliment? Without further ado, I would confidently say- NO! It doesn't matter what your gender, colour, or identity is. The answer is clearly a no.

Beauty with a brain suggests that you can only have one of these qualities and that you are an 'exception' if you possess both. "Oh, Wow! You are a beauty with brains" is a phrase that women often hear. This statement is used when a female exhibits characteristics that indicate she is intelligent. People are taken aback if they see a wise and beautiful woman because women are stereotyped to be either beautiful or brainy. The concern with this is that it is naturally assumed that men are intelligent. Women, on the other hand, are supposed to have a natural beauty. If she isn't attractive according to the norms laid down by society, it is expected that she would at the very least be intelligent. When someone manages to be both, it is regarded as a significant accomplishment.

Keep reading... Show less