June 5, 2024


Tiny articles, big solutions.

5 Reasons Why You Need to Have a Travel Insurance


Imagine, you are in a foreign country; you are very much excited to try exotic foods – a very popular one in the country that you’re in. You’ve been hearing about it lately and you’ll never miss the chance of eating it, so you enjoy it as it devours in your mouth; not to mention its savory flavor that you loved! But poof! Your allergies happened. You had an allergic reaction with it and its only been a day of your journey! You thought, your trip is now ruined! What would you do?

Instead of throwing tantrums, get yourself together –and stop imagining!


Are you back to your reality now?

If you are, let me say to you that you don’t have to be in this mess.


Get travel insurance before leaving the country.

What Is Travel Insurance?

Travel insurance is an insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically. If you are planning on getting one, you must also keep in mind that you need to check if the insurance company covers your travel outside the country or only inside your country.

Why Do You Need Travel Insurance?

In 365 days, you only get to have a vacation once in a blue moon. Which is very normal if you have a demanding career or a high maintenance job. And I am sure that this very rare experience of relaxation

is very precious, and so we’ll do anything just to make it truly successful.

Getting travel insurance helps us to be at peace knowing that we have a back-up for any unexpected situations. But of course, some would find it costly, and would rather not get it. But let me get this straight, travel insurance is more than just a back-up! It is your travel buddy.

Reasons to purchase travel insurance include:

Replacement Of Lost Personal Items 

Unsurprisingly, these situations are very common to travelers. It could be your passport or worse your luggage. In some cases, data are showing that tourists are prone to pickpockets if it is their first time in a certain country.

The perfect insurance company would spare you the time of going to the struggles of getting these lost or stolen items back. They can also reimburse you for the lost or stolen items.

Medical Emergencies Can Be Expensive

If you are one of those travelers who can get adventurous on their trips – those who try cliff jumping, scuba diving, bungee jumping, and the likes, this benefit of having travel insurance is suitable for you.


Each country has different health plans, and not all countries have special plans for tourists or expats. In this expense, in case of any medical emergency like having an injured leg, a foul stomach, or any physical injury, your travel insurance can cover your medical expenses too. Just make sure that there are clinics and hospitals in the country where you are in that is affiliated to the travel insurance that you have availed.

One thing to consider as well is to verify if there are only selected type of medical concern that is covered because in some insurance companies doesn’t provide support major accidents while some do. It varies per insurance company so make sure that you read your papers very well.

Protection From Natural Disasters 

One of the essential things that a traveler has to know is to check the weather forecast 2 days before the travel date itself. This gives you the time to cancel the trip if the weather is severe or to make some adjustments with your trip.

In worse cases, if the weather suddenly became unpleasant and you are already on your trip, you do not have to worry if you have travel insurance. Some insurance companies in Singapore like FWD, AVIVA, TravelJoy, AXA, Travel Guard, etc. can reimburse the damages or even your expenses if ever the flight has been canceled due to bad weather.

Trip Cancellation Or Interruption

Of course you can have reimbursement for your non-refundable flights, hotel bookings, or tours. But… not the way that you imagined it to be.

You might think that you can just cancel when you change your mind and just stay at home at the weekend. Unfortunately, that can’t happen all the time. This feature of travel insurance shouldn’t be abused since it can only be applicable if there are major events like a tsunami, a terrorist attack, or the sudden death of a family member.

Take note that some companies reimburse your expenses even if you cancel for any reason (CFAR). But keep in mind that it is much more expensive, normally it cost an additional of a hundred dollars.

The option doesn’t reimburse you a hundred percent so this is risky, but if you have the funds to do so, this is worth a try.

You Can Call A “Friend” Anytime, Anywhere 

Having travel insurance also secures that you’ll have a lifeline in case of emergencies. This helps to lessen your stress if you might have a presentation or conference due tomorrow.

You are also entitled to receive service if you need to locate the nearest adequate hospital, organize medical transportation, or if you need a hand in arranging for treatment and overcoming any language barriers. You can also ask for help to organize transportation when going home, including your gadgets.

Things To Remember Before Getting Travel Insurance:

Age determines rate 

Always remember that the age of an individual is the basis of the rate of the individual. Keep this in mind so you won’t get surprised if ever the rate increases or decreases.

Keep all the receipts 

Be prepared. Secure your documents in a Ziplock so you can have it handy whenever you need it and to avoid hassle every time you’ll have a transaction with the insurance company.

Use a comparison website 

You can do your research on choosing the most suitable insurance company according to your needs. If you are finding your best options in Singapore, you can check out HM Consultancy for reference.