17.12.13

Travel Insurance - Yay Or Nay?

"Travel insurance? Nay, I don't need that! After all, nothing is going to happen during my journey."

That's what I used to say every time I was asked to buy a travel insurance. Every time I travel , I had never bought travel insurance because I think it 's just a waste of money . But my opinion has changed after some unfortunate events such as the loss of my luggage during a flight from Amsterdam to Rome and when Dad was sick so he had to be hospitalised during our trip in Canada . I wish I did buy a travel insurance so I did not have to spend a lot of money to pay the hospital and also I could claim my lost luggage. 

I didn't have clothes and camera charger for days in this beautiful city :(
 
spending a fortune on the hospital bill in Canada :(


Why I was so skeptical about this insurance thingy? Because I didn't really understand about how it works and  I've heard the story from some  friends who had to go through a complicated process when claiming their insurance. But lately I came across to an article in LiveOlive (it's a bilingual website by the way, both in Indonesian and English) about the importance of buying a travel insurance and I found out that the insurance actually will provide many benefits for us even before the departure of our trip. Of course it's not like we are expecting something bad to happen during our trip *knock on woods* but you know, just in case. Because believe me, feeling panic while facing an emergency situation in a place which is foreign to us,  is no fun at all.

Nowadays I'll make sure to get a travel insurance when I buy a flight ticket. I also felt relieved that the price is not as expensive as I thought before. One thing to remember though, that there are several type of travel insurance depends on the location of your destination , length of trip , as well as your health condition . So take some time to learn before deciding which one is the best for you. Choose an insurance company that provides a 24hours emergency hotline.
Because by the end of the day we all want is to enjoy our holiday feeling relax and at ease, right ? 


enjoying the gondola ride in Venice

28 comments:

  1. wahhhh sama mbak...ngak pernah ne make asuransi penerbangan padahal tuh asuransi wis nawarin....

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    1. sama, aku dulu yo ga pernah beli. Tapi setelah beberapa kejadian ga enak pas jalan2, akhirnya sekarang beli sesuai dengan jangka waktu perjalanan. Lumayan banyak yang bisa tercover :)

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  2. Sampe saat ini aku belum pernah beli insurance, tiap beli tiket, insurancenya selalu dicentang. Untuk perjalanan jauh sih banyak yg bilang mending dicover insurance ya debb. Mungkin mesti kejadian dulu baru nyahook *amitamiiitt*

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    1. aku dulu juga males banget beli asuransi. Bisa apaan sih? Gitu pikiranku. Tapi setelah bayar biaya rumah sakit di Canada yang bisa buat beli tiket bisnis class PP ke amerika, sekarang jadi ngerti pentingnya asuransi perjalanan. Banyak yang bisa tercover tenyata

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  3. I always thought I didn't need a travel insurance and then Cez broke his leg and that was a wake-up call for me!! I'm gonna get one next year, that's for sure!

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    1. Yeah, I also had some wake up calls before realizing that it's important to have one :(

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  4. Hi Debbzie, dropping by for the first time and i am from Malaysia.

    It is always a YaY for me on travel insurance, it is not worth to save several hundred bucks when you have to pay for the huge medical bill in case of any unforeseen circumstances.

    Thanks for sharing:)

    Simon Lee

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    1. Thanks for dropping by, Simon :)
      Yes, I used to ignore travel insurance but now I always make sure to get one before my trip

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  5. Hahaha ini #jleb banget. Dulu sih klo beli tiket pesawat mesti nyentang kolom insurance, tapi belakangan selalu gak dicentang hehehe. Semoga aman-aman saja hehehe :)

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    1. aku dulu malah ga pernah beli insurance. Belakangan setelah beberapa kejadian ga enak baru mikir kalo emang perlu itu insurance, hahaha :p

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  6. Slama ini biasanya aku sih simply HELL NO sama asuransi di perjalanan, hehehe
    tp crita ini membuka mataku, btw, kmrn aku pernah nyobain claim asuransi jam 3 pagi wkt papaku dirawat di rumah sakit ternyata hotline asuransinya aktif loh, praise the lord for that....
    Tp puji Tuhan slama ini klo jalan2 oke2 aja, soalnya mamaku orgnya detil bgt, sampe jumlah daleman skali pake itu pas banget loh sampe pulang, hehehe

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    1. huihhhh, mama kamu kerennn, hihihihi :D
      Belakangan aku baru ngerti sih gunanya travel insurance. Menurutku mending keluar uang dikit daripada ntar something happen malah harus keluar banyak banget

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  7. bener bngt.. emang kalo pergi travel.. khusus.nya jauh2 kyknya harus beli travel insurance dehh..
    since aku juga dl pernah hampir aja kehilangan koper..
    aku panick bngt dulu.. gara2 aku suka misahin barang lama di 1 koper. dan barang baru di 1 koper.. hauhaua..
    terus yg hilang koper yg isinya barang2 baru aku..
    haduhh.. pengen nangis rasanya dulu..
    dan delta airlines cuman bisa ganti kurang lebih 1000 USD aja.. =(

    untung,nya koper aku ketemu di hari ke3..
    koper aku salah naik penerbangan ke bangkok katanya..
    padahal rute aku LA - tokyo - singapore..

    entah gimana itu koper bisa ke bangkok. tapi yah puji tuhan bngt dia selamat tanpa kekurangan suatu apapun.. hehe..

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    1. kalo aku, isi koper banyak yang hilang setelah koper ditemuin 4 hari kemudian. Gembok udah hilang trus isinya udah diobrak abrik gitu, hikz :(
      Kalo punya insurance kan lumayan bisa claim

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  8. Only got travel insurance once, and that's also because I needed one for my Schengen visa application.
    But maybe I should get one every time I travel....

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    1. yeah, after all the misadventures, I make sure to get one before I travel, hihihi >.<

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  9. Iya yah, sbnrnya butuh banget asuransi itu.. Krn qt ga pernah tau kan yah :D Mulai skrg yay deh buat asuransi perjalanan ini :)

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    1. bener, Py. Aku juga dulu paling males kalo disuruh beli asuransi perjalanan. Tapi...tapi....tapi malah susah pas ada kejadian ga enak, huhuhu :(

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  10. Aku baru 1x pakai asuransi perjalanan, dan rasanya lebih tenang meski sampai pulang ga ada kejadian apa2. Dulu pernah hilang koper di CGK (bukan salah maskapai sih sebenarnya tapi ada penumpang lain yg ambil koperku -_-) dan om aku pernah ketinggalan tas lengkap dgn paspor dan dompet di London dan jd tertunda pulangnya. Jadi mikir aja sih kalo those things can happen to us, makanya sebisa mungkin pakai asuransi tiap jalan2 :-)

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    1. Bener banget. Gara2 udah berkali2 ada kejadian ga enak pas travelling sekarang jadi parno kalo ga beli asuransi, hihihihi

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  11. We have a general insurance that covered a medical wherever we go, so we never have an extra insurance.

    However, while i was in Indonesia and did the trip to Europe several times, i def. need a travel insurance because as the requirement for schengen visa, and one time i did the medical treatment in Berlin during the trip and, feel good that the insurance covered it up :)

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    1. yep, nowadays I definitely make sure to get one before my trip :)

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  12. hehe.. aku beli asuransi kalo [as backpacking sama anak doang, kalo sendirian enggak :D

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    1. hihihihi, di Indo masih jarang emang yang mau beli asuransi :p

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  13. Travel insurance policies needs to pay a certain amount of money to protect anyone from unforeseen circumstances associated with their travel plans.

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  14. enjoy your journey + nice story + beautiful girl = the best your blog

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  15. Wah emgnya travel insurance bs cover apa aja sih? Kalo yg ditawarin pas beli tiket pesawat itu cm utk kehilangan koper ya? Kalo yg cover kesehatan itu hrs insurance tersendiri ya? Aku sekali2nya beli travel insurance pas apply visa schengen, Puji Tuhan ga ada kejadian apa2 sih tp dgn kurs yg lg kaya gini nyesek jg hrgnya hehehe...

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    1. mesti perhatiin terms and conditions sih, soalnya tiap insurance beda2 covering apa aja. Aku dulu juga ga pernah beli tapi sejak banyak ngalamin kejadian ga enak yg menguras kantong, sekarang jadi ngerasa lebih safe kalo beli travel insurance, hihihi

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