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You need protection for a
wide range of risks that might occur during your travelling trip. |
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Even for medical expenses
you need a much higher coverage. Costs for medical treatment in countries you are
travelling to might be very expensive or the medical institutes there might require you to
give them cash or any other form of hospital deposit guarantee before medical treatment is
given. |
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Emergency medical
evacuation is very necessary, but costly, in case of serious injury and sickness. |
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Before your trip, you need
cover against the money you paid for your trip and cannot recover in case that you have to
cancel your trip due to
- illness or injury occur to you or your family member,
travel companion or business partner,
- your witness summons, jury service or compulsory
quarantine,
- unexpected outbreak of strike, riot or civil
commotion of your planned destination
- serious damage to your home from fire, flood, typhoon
and your presence on the premises is required on the departure date
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During your journey you
definitely need protection against loss arising from
- baggage loss or delay
- loss of travel documents
- extra travel and accommodation expenses incurred to
replace lost travel documents
- legal liability for injury or damage to others and
their property
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The above risks are in most cases not cover by your
personal accident insurance or your medical insurance benefit amount is not enough to
cover unknown medical expenses in overseas countries. 
