Did you get any Travel Insurance ?

What ever you are traveling for vacation or business, you better prepare your trip as much in advance as you can. This includes Travel Insurance. It is not always the funniest part of the process, but it could help you avoid many troubles and stress before the departure.
After you have done all your reservations and get the cheapest airplane ticket possible, you are not totally done yet. Yes, if you want to avoid troubles during your trip you better make sure you have your travel insurance properly completed.

First, when you are making your flight ticket reservation I suggest you to always include the cancellation insurance. Most of airline ticket reservation online companies provide this service and it is very cheap. So it would be foolish to take the risk. Cancellation fee doesn't necessary allow you to cancel your flight in all cases, but at least for medical problem or any "force major" reasons you should be able to get a refund; or at least part of it. Of course, some airplane ticket allows you to cancel your flight in any circumstances, but usually it is an option available for more expensive flight tickets.

After that, you will have to get a good Travel Health Insurance. The choices depends a lot of your actual health insurance condition and the country you are visiting as well as your home country. In case, you have full and unlimited cover insurance valid in any country, you will probably not need to buy a new one. But most of the time, insurance includes terms which don’t allow you to excess a certain kind of "standard" cost. In some cases, you will have a maximum limit clearly defined. The "standard" fee is generally based on the public medical care fee of your residential country. So if you are not sure, you will better check this particularly point before taking your decision. And of course, you will need to get an idea of the fee normally apply in the country you want to visit.

For example, if you are planning to travel around Asia and you come from Europe, you won't necessary get problem in most places. But be aware that country like Singapore or Australia can be more expensive than certain European country. I know some people get bad surprise when they back to their country and asked the insurance to refund the bills.

In case, you have a fixed amount clearly specified inside your insurance policy. I suggest you to use another Health Travel Insurance. Just to be on the safe side. You never know what's going to happen. It is already hard enough to be involved in any kind of accident during holiday. You wouldn't like to have to be worry of your ability to cover the charges during your illness. In many countries they won't accept you in the hospital unless you show them solid insurance proof or a full charged credit card.

Another point to check before your departure is to make sure, whatever insurance you decide to use, that it include repatriation. There are some places in Asia, you would prefer wait the plane than being heal in their hospital. Especially when you are staying far away from big city.
You would like also to check if your travel insurance covers the lost of luggage, or the cost of a missing flight, etc... Some Insurance will even cover you’re the lost of cash money. Check the maximum cover for each item; check the terms and conditions, etc… It seems to be a lot of work, but it really can help you make your vacations more relaxing.

After all of this is done. Don’t forget to make photocopies of all your documents and keep it in a separate place. And finally, enjoy and have a nice trip.