Travel Insurance Add-ons | Must Have Travel Insurance Add-Ons
Insurance | Travel Insuranceby Priyadarshini 30 November 2022
Travel insurance policies include a plethora of add-ons to meet the diverse needs of different travellers. These add-ons extend your coverage or provide additional benefits that the base plan may not provide, but which ones you should get will largely depend on the nature of your trip. Read about travel insurance add-ons below.
Travel Insurance Add-ons
Rental vehicle excess coverage for road trippers
Vehicles rented for international road trips usually come with some basic insurance coverage, which is more to satisfy legal requirements than anything else. That is why, even though your rental fee includes insurance, you will be charged an excess fee if the rental car is damaged while in your possession.
This travel insurance add-on does exactly what it says it does: it protects you if you have to pay a rental car excess. Be aware that the amount covered may not be 100%, so you may be responsible for some additional expenses.
For the digital creator: Top-up laptop or tablet case
Lost luggage benefits, which compensate for the loss of personal belongings, are a basic inclusion of travel insurance. Laptops and tablets are permitted, but there is frequently a sub-limit. When the sub-limit is not high enough to cover the cost of your computer, a problem arises. This can be a problem if you are travelling with a high-end laptop and need to edit your travel vlogs while on the road.
Furthermore, you will most likely be bringing a slew of other equipment, such as cameras and ring lights, which means you could face a significant financial loss if your luggage goes missing.
For the thrill-seeker: adventure activity insurance, sports equipment insurance
Activities that are deemed to pose an increased risk of injury are not covered by travel insurance. These are commonly referred to as dangerous activities, and they can include seemingly innocuous activities such as hot-air balloon rides. Scuba diving, BASE jumping, hang gliding, race car driving, flying a plane, horseback riding, bungee jumping, parasailing, and off-roading are all common examples of hazardous activities.
If you intend to participate in high-risk recreational activities or sports during your trip, you should include adventure activity coverage in your travel itinerary. This will allow your travel insurance to cover you for injury or loss caused by a high-risk activity.
For cruise passengers: cruise cancellation insurance
As COVID-19 has amply demonstrated, cruises are more finicky than other types of vacations. Because you and your fellow passengers are all trapped on a cruise ship, you won’t be able to continue your vacation if something goes wrong. When compared to a land-based vacation, you can easily switch to another location.
If your vacation includes a cruise, you should consider adding cruise cancellation coverage to your travel insurance policy. That way, if your cruise is cut short or cancelled, you can continue with the rest of your vacation without worrying about wasting money.