Getting travel insurance when you’re in Asia is crucial. As well as giving you peace of mind when covering basic risks like the loss of luggage or medical care, travel insurance within Asia can also protect you against localised natural disaster risks such as monsoon season in southeast Asia, or earthquakes in Japan. It’s worth comparing the insurance market to find providers that can offer comprehensive travel insurance and specialist policies, with www.directasia.com being particularly recommended. What, then, should you be focusing on with your travel insurance?
Basic Cover & Specialist Cover
Even if you’re only going on a short trip, it’s still crucial to pick up a basic level of travel insurance cover; this should include protection against medical expenses, as well as the ability to claim against lost luggage and stolen items. Costs incurred as the result of flights being cancelled or problems with public transport and strikes can similarly be claimed against, regardless of where you’re staying in Asia. You can also look to pick up public liability insurance to cover against being involved in an accident where you’re at fault.
Taking out some specialist forms of cover is important, though, if you’re going to be travelling within Asia and engaging in more unusual activities. You might need to expand your travel insurance to include protection for activities such as diving off the coast of Thailand, or taking a motorbike trip through China; natural disaster earthquake can similarly be explored if you’re visiting southeast Asia during monsoon season, and for particular threats like Dengue fever in Singapore.
If you’re going to be crossing between a number of different countries as a backpacker, you should be aware of the high risk you might encounter in terms of accidents and illnesses as the result of humidity. It’s worth comparing the insurance market to find a specialist provider that understands the demands of long haul travel through Asia, and that offers premiums that are able to cover property loss and any emergency medical assistance that you have to pay for.
Finding the Right Policy
When looking for travel insurance in Asia, there are a number of basic approaches that you can explore; this can include going to a direct provider, rather than through a broker or other middleman for your insurance. With a direct insurer, you can typically get quotes faster, and can save money on commissions, while also being able to spread out your insurance to cover group packages and monthly payment plans; insurance for specific countries might also be found.
Travel insurance should also be examined in detail before committing to a policy; particularly check to see whether you have to pay a high excess before receiving a pay out for any extreme sports or natural disasters. What an insurance company considers as a risky activity might vary quite considerably, so never take one policy for granted. You should also read through terms and conditions on an insurer’s website to see how straightforward a claims process will be.
Kevin Maddox recommends getting peace of mind with comprehensive travel insurance from www.directasia.com.