If you're going on a holiday, what's one thing that you expect? Fun times, right? You pick a dream destination, book at a nice hotel, and choose comfortable travel schedule to have the best time ever. You deserve it after all. But what happens if something doesn't go the way you planned? What if your flight is delayed or cancelled? What if your baggage gets lost? What if you get traveler's diarrhea and end up spending three days in the hospital? These things shouldn't cause you to be paranoid, but it should make you alert and prepared for such unwelcome scenarios.
Having visitor insurance protects you financially from all these mishaps. It ensures that you get the proper compensation for expenses you've incurred when any of these happens. For example, your visitors health insurance will shoulder the hospital and medication expenses you've incurred when you get sick during travel. This is the reason why it's important to have visitor insurance when you go on trips.
But of course, it's not enough to get the first insurance policy you find in the market. A common blunder that people make is that they scour the insurance market to find the cheapest policy and buy that. The cheapest isn't always the best choice. Below, you'll find the common pitfalls of insurance policies that are too cheap to be true.
Fake policy
Phishing sites exist online. These are websites that pose as legitimate companies selling products and services. There are also some insurance companies that are actually just phishing sites. If you happen to come across a policy that is too cheap to be true, it probably is a fake one. You need to pay a decent amount to be covered fully by an insurance policy. Make sure that you investigate first if the company is authentic or not before buying from one.
Poor service
This is a common scenario between an insurer and insured. The person to be insured makes a move to inquire about a certain product from a certain insurer. The insurer is overly eager to accommodate the customer, giving him the best service ever. The person to be insured is attracted by that and purchases a policy. Then he gets sick or injured during travel and makes a move to collect his compensation. Does he get the same level of service? Unfortunately, no, he doesn't. In fact, he can barely talk with the insurer anymore. Do you want something like that to happen to you? It could if you purchase the cheapest policy in the market. But if you rely on a well-known insurance provider who is trusted by many clients, this scenario could be avoided.
Incomplete coverage
This is another common pitfall on buying cheap insurance policy. You get sick or injured and you discover that you're not getting any compensation because your illness or accident is not included in the coverage. Don't fall into this trap by reading everything in the insurance cover first especially the fine print.
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