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Going abroad? Protect your trip with travel insurance
You are finally going on that long-awaited trip you have been planning for a while now. Bags are packed, the flight is sorted, hotel booking is on point – you have taken care of everything and have a backup if things go south. But then your flight gets delayed because a tropical storm suddenly shows up unannounced. A natural disaster can easily and rather quickly put a damper on your plans. These are the ideal situations where your travel insurance can come in handy though. The travel insurance natural disaster cover is essentially a cover designed to compensate the policyholder in case an unannounced natural disaster leads to travel inconvenience, loss, or damages. Let’s acquire a deeper and clearer understanding of the same.
Travel insurance covers several unfortunate losses that may surface during or before your trip. A travel insurance natural disaster cover is responsible to make up for those losses and damages that have risen because a natural disaster struck. Natural disaster covers are a part of comprehensive travel insurance plans. This means that you do not have to buy this cover separately like other add-on covers such as terrorism or adventure sports covers. But there can be several folds of terms and conditions when it comes to what is covered and excluded in a travel insurance natural disaster cover.
Before you can understand what is covered by a travel insurance natural disaster cover and to what extent, you must understand what is considered a natural disaster. Any natural, weather or geological events capable of causing huge damages that are out of mankind’s control are known as natural disasters. The most popular examples can be storms, earthquakes, floods, avalanches, etc. A travel insurance plan that covers natural disaster damages generally offers protection against most kinds of disasters. Since these are geological events, natural disasters can differ for each country and location. Tropical storms and landslides are common in the UAE but some others like Japan would be more susceptible to earthquakes. Depending on the situation and need at hand, the travel insurance natural disaster cover offers optimum protection and compensation.
One of the most important things related to travel insurance natural disaster cover is the “announced natural disaster” or “known events”. While something like an earthquake comes to light after it has already struck, other natural disasters can be detected beforehand. Such disasters, when detected and notified of, are known as announced natural disasters. Natural disaster cover in travel insurance does not cover for damages that are caused by an announced natural disaster. However, not losses go uncovered even in these situations.
Let’s study an example. You have a flight to the Maldives in 4 days and suddenly the possibility of a thunderstorm gets announced. Here, if your flight gets canceled, travel insurance natural disaster cover will probably compensate you for the monetary loss. Let’s assume that the flights have not been cancelled but the weather department advised against traveling in such a situation. If you still choose to travel and happens to lose baggage, get stuck somewhere, or incur any other kind of loss due to the announced disaster, insurance will not cover it.
In short, the natural disaster cover will only cover potential natural disasters that may happen but show no sign or warning yet. For example, if a flood hits the country that you are visiting when you are already on the trip, the travel insurance will cover the necessary expenses and losses.
Natural disaster insurance offers protection in almost all areas that generic comprehensive travel insurance generally covers. Following are the benefits that travel insurance natural disaster cover provides in the events of damages and loss incurred by a natural calamity:
If you buy a travel insurance plan that does not cover the natural disaster, you may end up leaving a huge hole in the coverage. Insurance is essentially against unknown dangers and natural disasters are one of the biggest examples of the same. So, you must buy a travel insurance plan with natural disaster cover. Just make sure that you have studied all the terms and conditions that are applied to this particular cover and the rest of the policy as well. You must know exactly what damages and losses are covered by the travel insurance natural disaster cover and to what extent. Also examine the different natural disaster that your plan covers and match them with potential ones you may face. This way you can expertly plan your trip and save on a lot of excess expenses that can be avoided easily.