What should Asian travel insurance cover?
With much of Asia still deemed to be developing, perhaps the most essential coverage of all is emergency medical coverage. This isn’t because you’re any more likely to get ill or have an accident than you are at home, but consider how far you are away, how little you probably know of the health systems in the countries you’re visiting and how potentially remote some of the areas you’re visiting are.
Read the small print carefully to see exactly what is covered. Pre-existing medical conditions must be declared to avoid invalidating your policy in the event of a claim. Once declared, the provider will advise you if they will cover this condition or if there will be an exclusion. If you have a heart condition or terminal illness, in a few cases you may need to provide additional information before you can be offered a policy.
If you’re embarking on an activity based holiday or doing some more risky activities while you’re away, make sure the activities are covered in the dangerous sports section.
Check how your luggage is covered for theft or damage. Here you need to look at individual item limits to make sure valuables such as your camera are included. Are you covered if they’re stolen from a cab or a hire car too? If it’s not obvious, check with the provider.
Cancelled flights, missed flights, delays to flights, your bag is delayed. These are just some items that your travel policy will cover. This can become particularly important if you’re visiting a number of destinations across Asia and travelling on a tight schedule.
If you were to inadvertently cause injury to others on your trip you might be sued for damages. Personal liability claims can be expensive and you will usually find that the limit on the policy is £1m or more.
If you’re travelling to more exotic places and the destination language isn’t your own it may be comforting to know that your travel insurance covers you for some legal expenses in the event that you need them.
Enjoy your trip to Asia. Such an amazing destination full of amazing sights, sounds and experiences. For peace of mind on your trip we can help you compare the best travel insurance deals around.