Travel Insurance – What happen if you have to do emergency changes or trip cancellation ? Will you be compensated?

Sometime things happened and it is inevitable. An emergency call regarding death or illness of family member perhaps could resulted in postponing or even canceling the holiday plan.
When situation like this happened last minute flight and hotel cancelation are unavoidable. The major concern over here is the financial losses due to cancellation of accommodation, tour booking , car rental and even the ticket flight.

What can you do to protect yourself and your family from something like this.

1. Buy travel insurance

Travel insurance will cover not only travel cancellation but it also cover curtailment. Curtailment means that when you are already in the holiday but you have to cut the holiday short due to emergency event. You will be reimbursed for the irrecoverable expenses that you have already paid for the trip.It is really worth it because travel insurance is not expensive but it will protect you from losing potential loss due to cancellation and curtailment.

2. Understand cancellation policy of airline , hotel or car rental agencies.

Some of the companies are very strict with their no show and no-refund policy.Before making any reservation make sure that they have friendly cancellation policies so you can easily get refunded if something happened.Usually these companies will stated their cancellation policy on the website or on the booking platform.

3. Early Reservation

Early reservation can give your more time to adjust.Some hotels allow free cancelation as long it is done withing 24-48 hours before the arrival date.

Why do you need travel insurance? 

Travel cancelation and loss of deposit

There are 1000 reasons things can be happened and resulted in canceling your travel plan. Maybe you and your partner got into an accident on the war to the airport. Some insurance companies even cover the loss on trip cancellation resulted from serious damages of your home because of fire,flood or other natural disaster which will require you be at home.

Under these situations , you will be compensated by insurance company for the loss of deposit and any irrecoverable expenses that you have made for the holiday trip.It could be your hotel booking, tour booking, car rental or flight ticket.

 

Travel Cancellation

Allianz Travel Care up to RM 20,000 per person/ RM 50,000 per family

Tokio Marine Travel Partner up to RM 20,000 per person/ RM 60,000 per family

Ikhlas Kembara PLUS Takaful up to RM 10,000 per person/ RM 30,000 per

Travel Curtailment

If you are already in the holiday and after for example after few days into the holiday you received emergency call about the death,illness or accident of family member and
you need to cut the holiday short and return home immediately.Or maybe your holiday needs to cut short due to your own or your partner death ,illness or accident.

Total compensation for travel curtailment by insurer/ plan

Allianz Travel Care up to RM 20,000 per person/ RM 50,000 per family

Tokio Marine Travel Partner up to RM 20,000 per person/ RM 60,000 per family

Ikhlas Kembara PLUS Takaful up to RM 10,000 per person/ RM 20,000 per family

Since you have already paid so much money for your trip , it is logical to protect your trip with travel insurance.As a smart traveler you should evaluate the risk and try to minimize
the risk of financial loss that can burdened because of these events.

Travel Insurance – What happen if you have to do emergency changes or trip cancellation ? Will you be compensated?

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