Tips About Domestic Travel Insurance
Plan to go trekking in the Silicon Hills? Or maybe cruise down the confluence of River Niger and River Benue? Before you head for the hills or anywhere else, it’s a good idea to make sure you have enough insurance coverage. Domestic travel insurance is intended to cover medical expenses, trip cancellation, lost luggage, flight or vehicular accidents, and other losses incurred while traveling within the country. For tourism, it offers peace of mind for your upcoming trips, as there are quite a number of circumstances that could cause you to cancel your trip, return home early, or prompt you to require emergency medical attention while on the go.
Domestic travel insurance might not be popular in Nigeria, but in many cases it simply duplicates coverage you already have. It would be a good idea to find out the ones you already have. Here are some tips you need to know about local travel insurance.
- Get acquainted with what’s out there
Travel insurance can include trip cancellation, trip interruption, accidental death or dismemberment, medical and dental care, transportation to medical facilities, loss of luggage or personal possessions, and protection against the bankruptcy or default of your tour operator (if there is any).
2.* You will need to determine whether you’re already covered*
Perhaps you are insured before your journey, your medical and auto insurance will almost certainly be valid. And your airlines must reimburse you if they lose your luggage. It is advisable you do thorough research and enquire from a travel insurance expert to fully understand the coverage you’re purchasing.
- Make the right enquiries
As you shop around ask insurers: what disasters are covered? What restrictions apply? What type of help does the insurance company give in the event of a medical emergency or other serious problem? How does the reimbursement get determined?
It is imperative you research comprehensive policies of your insurance firm, as they tend to provide a wide range of necessary benefits that will meet the needs of majority of tourists or travelers
You’ll have to keep in mind that since travel insurance generally works on a reimbursement basis, travelers and tourists will be responsible for the costs of their treatment up front, and you will need to file a claim (receipts and whatnot) and have it accepted by your insurance firm before receiving reimbursement. Moral of the story is learning the priceless art of documenting.
