“Welcome to USA ” – The thrill of arrival, the happiness of captured moments. The ecstasy of long-awaited landings.
We love the pleasure of travelling. Being in places and viewing sights that we had been longing for. Cameras in this season become a necessity to capture the moments.
But No one ever moves from Malawi to the Eiffel Tower in Italy by wishful thinking. Well, that’s until time travel becomes a reality.
But until then, we would have to use resources to move from our current location to another
location and many times the expenses for the exotic travels we dream of could be quite
expensive.
We have to make sacrifices just to ensure that our vacations, meetings, engagements and all what not get our presence and attention either be it personally or with the people we care about.
However, just as many unforeseen circumstances plague our known world, many unforeseen circumstances could plague our travels.
They could range from sudden changes in weather to unrest at destination spots to abrupt illnesses etc.
There are just many unanticipated and definitely, unpleasant occurrences that could hamper our journey.
what then do we do when these occurrences meet us? Do we sit half hoping that the airlines would cover the expenses for the cancelled flights?
Well, airlines have different policies around reimbursements and refunds and certain government policies have been able to put them in “must-do situations” to ensure that the customer doesn’t get to bear the brunt.
A typical example is America establishing a new policy on the 24th of April 2024, where Airlines were mandated to reimburse passengers their funds in the case of a change, delay or cancellation of flights.
But this is only nucleated to America. What happens to other citizens of the globe?
Travel Insurance is one of the ways to ensure that your funds get reimbursed to you in the eventuality of an unforeseen occurrence.
According to Wikipedia, Travel Insurance is an insurance product that covers unforeseen circumstances that happen during travel either domestically or internationally.
Airlines at best give a certain percentage of refunds when their customers’ flights are delayed or cancelled.
However, travel insurance is designed to cover your belongings, your expenses and your well-being.
The possibility of getting a complete refund on your travel insurance is dependent on what unforeseen circumstances the insurance policy covers.
In the eventuality of a trip cancellation, there will only be a reimbursement if the reason for the cancellation is a covered reason. These reasons could be illness or injury, the loss of a dear one, military deployment, the loss of your travel companion, natural disaster, unrest at destination areas etc.
When it happens that your trip is delayed, the policy should provide some level of relief for the traveller by catering for feeding, lodging and local transportation.
If for any reason, there should be an interruption in your trip, then the policy should be able to cover the reimbursement of your forfeited expenses as well as also cater for a one-way economy ticket back home.
In the eventuality that your belongings are either stolen or lost at the point of your destination,the policy could cover your lost possession or bag, however, there are limits to what could becovered. Items like has and jewellery stand as exclusive items from the umbrella of the policy.
But to be sure of the refund of your travel insurance, it’s important to thoroughly go through the policy of the insurance company you are subscribing to on any of your journeys.
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