{"id":8876,"date":"2016-10-13T17:24:27","date_gmt":"2016-10-13T09:24:27","guid":{"rendered":"http:\/\/travelmama.com.hk\/?p=8876"},"modified":"2026-06-23T16:25:51","modified_gmt":"2026-06-23T08:25:51","slug":"travel-insurance","status":"publish","type":"post","link":"https:\/\/travelmama.com.hk\/en\/tour\/travel-insurance\/","title":{"rendered":"TravelMaMa's Little Story \u2758 Travel Insurance"},"content":{"rendered":"

Travel insurance: Even if you travel frequently, there's always a sense of unease when you're in a foreign land, as you can't predict any unexpected events. But reviewing some travel information before you go and making thorough preparations will give you peace of mind!<\/p>\n

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The People's "Protection" in the Chapter of Faith<\/h2>\n

Many people overlook travel insurance, simply booking flights and hotels and waiting to go on their trip. I've even heard of people thinking that having life insurance is equivalent to travel insurance. Dodo Sister has mentioned this in government advertisements:<\/p>\n

Unfortunately, in reality, no one will warn you when an accident might happen.<\/p>\n

Remember, in case of an accident while traveling, a good travel insurance policy is your strongest safeguard. Understand the uses of travel insurance, and then analyze what type of travel insurance best suits your needs.<\/p>\n<\/section>\n

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1\/ Insurance<\/a>General coverage<\/h2>\n

Generally speaking, common occurrences during travel, such as lost, damaged, or delayed luggage, or lost money, are usually covered by travel insurance. Compensation for accidental death or permanent disability during the trip, as well as reimbursement for local medical expenses, varies depending on the coverage amount of your insurance policy. However, it's important to note that some travel insurance policies include a "deductible" for medical expenses. This deductible, broadly speaking, refers to the portion of the loss you, as the insured, are responsible for for each claim. The insurance company has the right not to fully refund this amount!<\/p>\n

Travel insurance often includes a "trip cancellation" clause, which covers cancellations made by the traveler or their family due to serious accidents or illnesses.<\/p>\n<\/section>\n

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2\/ General Exclusions of Travel Insurance<\/h2>\n

Simply put, war, terrorist activities, and serious riots are not covered by travel insurance. Accidents caused by extreme sports during the trip, pre-existing medical conditions, or even suicide will not be covered by travel insurance.<\/p>\n<\/section>\n

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3\/ Questions to ask before purchasing travel insurance:<\/h2>\n