If you are travelling overseas to any country you should really get travel insurance. If something happens to you while you are out of Australia it can cost a great deal and you may have to go into debt or depend on family or friends to get you out of trouble. It is far better to spend that little extra on insurance for your Bali villa holiday and have peace of mind that it covers you for everything – so long as you made sure of this before you signed up. Here are 4 important reasons why travel insurance is essential.
- It is not only the possibility of injury or health problems that insurance is needed for. What about your iPhone, iPad, tablet, laptop or other valuables that could get lost, stolen or damaged? If you are travelling for business, the information on those items could be as valuable to you as the actual device. It’s a good idea to copy it all to an external hard drive and have that stored separately, or left with someone you can trust. But having insurance will take care of the cost of replacing your devices and other valuables.
- Injury is another important reason to have insurance. While on holidays in Bali you will be likely to do more activities than usual. Even riding a mo-ped around can cause an injury if you are not used to it, not to mention surfing, swimming, riding an elephant and all the other fun things you intend to do. It is also possible to contract some disease while there and need hospital care, or emergency extraction back to Australia – all very costly without insurance.
- Another thing that people don’t always consider is delayed flights. We hear of these on the news all the time. They can be caused by any number of things from terrorist activity or staff strikes through to breakdowns and natural weather or other disasters. The cost to you is in having to pay extra for more Bali accommodation and food costs, not to mention the loss of work if your holiday is at an end.
- Lost luggage is another consideration. Although most people pack only casual wear for their holidays, it still costs a lot to replace if your luggage is lost. Then there is the cost of the luggage bags as well. You can’t pack your stuff into plastic bags for plane travel.
So you can see that if any of these 4 things happens to you while overseas, having insurance will certainly make a big difference to your stress levels and health, and to how you come out of the problem in the end. It is far better to spend that little extra on insurance than to suffer the consequences of not having it.