Going on an adventure? Here's everything you need to know about travel protection

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Going on an adventure? Here's everything you need to know about travel protection

Travelling is something that everyone wants to do at least once in their lives. Even going to a different province can truly be an adventure if you have never left your own home town. However, travelling can also bring with it plenty of issues such as trip cancellations, trip interruption, and even the need for emergency medical services. For trip cancellations you will need to invest in travel insurance, but for any other issues, it is best to look at travel protection, which is a different offering.

If you are interested in taking out travel protection there are some points to keep in mind. It is different from insurance products as it is used primarily in case of accidental death while you and your family are travelling, whether by plane, bus, or even boat.

You will not be covered for trip cancellations or interruptions but you will have peace of mind that should anything happen to you on your adventure, you will be protected. So, if you have your next trip already in the works, keep reading for everything you need to know about travel protection.


You are covered for accidental death

Now, this might not be something you want to think about when you are travelling, but accidents can easily happen on holiday. This is why you should ensure that your family is protected against any unexpected incidents on holiday, such as having an accident while hiking up Table Mountain or being injured while swimming in the warm Durban ocean.

Accidental death cover is affordable and essential for those who might be travelling far out of their comfort zone. For example, if you will be using a bus to travel to and from your destination, you will need to be protected against accidents that could occur on the roads, especially during the holiday period. Your family will be protected against issues that could become serious or require emergency medical assistance.


Your children are also covered

Going on a family holiday can be at once very exciting and very stressful. One of these stressors is making sure that your children are taken care of while you are travelling. Travel protection packages for children are affordable and are equally as comprehensive as the packages for adults.

You will need to be sure at what age the insurer stops covering children, as this will affect the premiums you will pay for them. You will also need to provide medical records of your children and any pre-existing conditions as this will also have an effect on the payments. For example, if your children have pre-existing heart conditions it is advisable to mention this, as well as any activities they will be taking part in which could have an impact on their health.


Even local travel is covered

If you are travelling from Cape Town to Durban to visit family, you might not consider taking out travel protection for your family. However, you are not in control of every aspect of your trip, which means that you will need to do everything in your power to protect yourself and your family.

With travel protection, even local travel is covered, no matter what method of transport you will be using. This is ideal for those who might be going on a road trip across the country in a car, as you are at risk to other drivers  on the road. You will need to ask if your insurer requires an itinerary as this could have an impact on your premiums and what is covered by the policy. Be sure to plot your journey along safe routes to ensure further safety during your trip.


Find out about the terms and conditions

Before you sign any contracts with an insurance company, you will need to find out what the exclusions are. For example, you might not be able to make a claim if your spouse experiences a heart attack, but has been taking part in strenuous activities and has listed that they have a heart condition.

You might find that you need to pay excess based on the issue you are claiming for. It is important to read over the policy completely and find out what all of the stipulations are. Travel protection is important but you should not simply sign up with the first option you find. Shop around to find the best option, such as what is on offer from AUL and justGO. Packages such as these are comprehensive and do not have many exclusions.


Stay safe while going on an adventure

Travel protection might not be the very first thing on your mind when planning a vacation but it should be something you consider very seriously. You will be covered for injuries and accidental death, and your children will also be covered, making for a safer and care-free holiday. Local travel is also covered but be sure to find out about all of the terms and conditions before you commit to anything. One thing’s for sure: having travel protection will relieve your stress and keep you safe while off on your next adventure.

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