Why It’s Essential to Have Travel Insurance in Case of Death Abroad
Traveling abroad is one of the most exhilarating experiences one can have. Exploring new cultures, cuisines, and sights can broaden one’s horizons and provide a lifetime of memories. However, while traveling, it’s always better to be safe than sorry. Accidents can happen, and anything can go wrong when one is far away from home. That’s why it’s crucial to have travel insurance, especially in the event of death abroad.
What Does Travel Insurance Cover?
Travel insurance typically covers a range of issues that can occur while traveling, including medical emergencies, trip cancellation, and lost or stolen belongings. However, it’s essential to choose a plan that offers comprehensive coverage, including accidental death and dismemberment. Accidental death and dismemberment coverage pays a lump sum benefit to the policyholder’s beneficiary in case of death or dismemberment, which can be immensely helpful in dealing with sudden expenses.
Why Do We Need it?
Traveling without travel insurance is like taking a risk with one’s life. Especially when traveling abroad, the risks are even higher, as navigating unfamiliar environments and cultures can be challenging. Having travel insurance that includes accidental death and dismemberment coverage provides a sense of security, knowing that loved ones will be financially protected in case of the worst-case scenario.
Moreover, travel insurance can also cover repatriation of remains, which can be a complex and expensive process. The cost of transporting a deceased person back to their home country is often substantial, and not all families may be equipped to handle the expenses. Hence, having insurance that provides repatriation coverage can be of significant help to bereaving families.
Real-Life Examples
Several recent incidents highlight the importance of having travel insurance that includes accidental death and dismemberment coverage. For example, last year, a 33-year-old man was traveling to Thailand with his girlfriend. Tragically, he drowned in a swimming pool. However, his family was provided with a payout from his insurance company that covered all of the expenses associated with his accidental death.
Similarly, in 2019, a 20-year-old Australian tourist died during a visit to Vietnam. She had purchased insurance that included accidental death coverage and repatriation of remains. Hence, her remains were transported back to her home country, and her family was saved from hundreds of thousands of dollars in associated costs.
Conclusion
Traveling is undoubtedly an exciting experience, but it’s crucial to remember that accidents can happen, and being away from home can add to the complexity of dealing with them. Having travel insurance that includes accidental death and dismemberment coverage provides a sense of security, knowing that loved ones will be financially protected in case the worst happens. Moreover, it can spare families from additional expenses associated with repatriation and help them cope with an already challenging time.
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