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  • 8 Crucial Reasons Why You Should Get Travel Insurance Before Your Next Trip

    Team Klook
    Team Klook
    Last updated 15 Mar 2024
    Travel insurance

    Source: Unsplash

    Ensure safe travels with TravelJoy!

    As you gear up for your next adventure, safeguarding your journey becomes paramount. Beyond anticipation and excitement, traveling with comprehensive insurance like PGA Sompo’s TravelJoy is an absolute game-changer! It’s not just about financial protection; it’s a safety net that extends unparalleled assistance and peace of mind. Delve deeper into the insurance benefits that make TravelJoy a must-have companion for travelers. 

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    1. Comprehensive Medical Coverage

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    Imagine falling ill or encountering an injury while exploring a foreign destination. Travel insurance becomes your beacon of hope, covering everything from hospital visits to medical evacuations and repatriation in dire circumstances. It’s the safety net that ensures your health remains a priority regardless of your location.

    2. Safeguard Against Cancellations and Delays

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    Unforeseen circumstances can disrupt your travel plans. Comprehensive insurance offers reimbursement for non-refundable expenses due to covered reasons for cancellation. Additionally, it assists in managing extra costs caused by travel delays, providing much-needed financial support.

    3. Protection for Your Belongings

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    Every traveler's nightmare is the fear of lost, damaged, or stolen belongings. Travel insurance offers baggage and personal items coverage, ensuring reimbursement in such unfortunate events. Valuables are also covered for added peace of mind.

    4. 24/7 Global Emergency Assistance

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    Emergencies don’t abide by time zones. That's why travel insurance provides round-the-clock emergency assistance. Whether it’s medical guidance, coordinating evacuations, or solving other critical situations, assistance is just a call away.

    5. Flexibility in Changing Plans

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    Unforeseen situations might demand a change in itinerary. Quality travel insurance allows for covered changes without incurring heavy fees, offering you the flexibility to adapt plans as needed during your journey.

    6. Tailored Plans for Travelers

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    Recognizing that every traveler is unique, travel insurance offers tailored policies. Whether you travel with family, as a solo explorer, a senior seeking new experiences, or a frequent flyer, there’s a policy designed to fit your specific needs, ensuring you’re adequately covered.

    7. Enhanced Peace of Mind

    Woman taking a photo
    Source: NoName_13 of Pixabay
    The security blanket provided by travel insurance alleviates stress, allowing you to focus on enjoying your adventure. It assures that assistance and support are readily available during unforeseen circumstances abroad.

    8. Affordable Protection

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    For a fraction of your trip cost, travel insurance provides comprehensive protection that could save you thousands in unforeseen incidents. It’s an investment in safety and security that is highly worthwhile.

    An Overview of TravelJoy

    Travel Joy overview
    Eager travelers often overlook comprehensive travel insurance, which should be considered essential. For a relatively low cost, it can make a world of difference if troubles strike on the road. Now that you know the benefits of travel insurance, let's discuss why TravelJoy is the perfect travel companion.
    1. 24/7 Worldwide Travel Assistance
    TravelJoy ensures round-the-clock support. Whether it’s a medical emergency or a simple query about your travel destination, professionals are available 24/7, 365 days a year. These services exemplify the profound insurance benefits that come with your plan. 
    2. Cashless Service
    No need to handle hospital bills directly. TravelJoy takes charge of your hospitalization expenses and covers emergency treatment, offering you the comfort of immediate care without financial worries.
    3. COVID-19 Coverage
    In these unprecedented times, TravelJoy extends protection against any COVID-19-related issues you might encounter during your trips, ensuring you’re covered for unforeseen circumstances related to the pandemic.
    4. Easy Claim Process
    Should the need arise to file a claim, TravelJoy simplifies the process:
    • Have your policy document or number handy.
    • Contact the insurer PGA Sompo via the claims contact number at (+63) 09177074042 or submit your claim via email at claims@pgasompo.com.
    • PGA Sompo will guide you through the steps and any necessary document submissions.
    5. Comprehensive Coverage
    TravelJoy offers extensive coverage, including accident insurance up to Php 1 million, emergency medical treatment up to Php 2.5 million, personal liability coverage, reimbursements for trip cancellations/terminations, baggage losses or delays, flight delays, and even medical expenses due to COVID-19.
    6. Instant Policy Delivery
    Once payment is confirmed, expect an immediate copy of your e-policy delivered via email. For any issues with receiving your policy documents, contact Klook’s customer support for assistance.
    7. Flexible Premium Rates
    The cost of TravelJoy varies based on destination and travel duration. Prices start at an affordable Php 269 for an Asian trip of up to 4 days, ensuring comprehensive protection at a reasonable cost.
    8. Eligibility and Inclusivity
    TravelJoy is open to individuals from 1 month to 59 years old, offering coverage to Filipinos and foreigners residing in the Philippines who plan to travel outside the country via commercial flights.

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