While we embark on our expeditions in high spirits and with great expectations, unforeseen circumstances usually overshadow even the most meticulously planned trips.
Picture this: you are exploring the vibrant streets of downtown Dubai, only to find yourself with a sudden illness that requires medical attention. Without insurance, the burden of medical expenses can turn your dream vacation into a financial nightmare in a strange city and country.
You must put travel insurance on your to-do list as you plan your next trip. This safeguard ensures your journey remains a memorable experience, even in the face of unforeseen challenges.
In the past, travel insurance was often perceived as an exclusive benefit for the wealthy. Still, this viewpoint has changed over the years as more people appreciate the importance of insurance, even for local travel.
Pillars of travel insurance
One of the critical pillars of travel insurance is medical care.
Accidents and unforeseen illnesses can strike during travel, and access to quality healthcare will depend on travel insurance coverage covering all medical expenses. This will allow you, as the patient, to continue enjoying your trip within the time you have set aside.
The second pillar of travel insurance includes an evacuation plan in case of medical emergencies requiring movement from remote locations without proper medical care to major cities where one can access specialised care.
Beyond medical coverage, travel insurance protects against potential disruptions, including ticket cancellations, delays due to sudden illness, interruptions caused by other personal emergencies, loss of baggage, or theft of personal belongings.
In Kenya, underwriters such as CIC General have risk solutions to address various travel needs, whether for business, leisure, or education.
CIC’s Travel Cover caters to outbound and inbound travellers who can select the type of cover required for their unique circumstances, thereby enhancing the relevance and effectiveness of their insurance investment.
Allowing travellers to review and customise their travel insurance coverage gives them a chance to compare products and understand the limits of their coverage.
It also offers travellers valuable insights from insurance experts about travel plans and risk tolerance.
As we plan our holiday getaways, let us remember the significance of travel insurance. It is not merely an added expense but a valuable investment in the smooth unfolding of our festive adventures.
By prioritising the well-being and financial interests of travellers, travel insurance guarantees a stress-free holiday in case of any unforeseen challenges that life may present.
After all, isn’t the essence of the holidays about creating cherished memories with the ones we hold dear, without worry or stress?
Faith Muriungi is the Senior Manager of Underwriting at CIC General Insurance.
