When most people go on holidays, they make a great deal of preparation. They book their tickets and hotels well in advance; they manage to get hold of much wanted tour guides and pay them a deposit; they buy up books on the intended travel destination and figure out the best way to cover the most in the limited time that they have there. Some of them even go to the extent of making a checklist of the greatest and the cheapest places to sample the local fare. But the one thing pertaining to holidays that most people seem to ignore is holiday insurance.
Even at the best of times, holiday insurance has never been a top of mind thing for most holiday goers. The singular feeling everyone has is that ‘nothing could happen to me’. It is always others who seem to have a nasty fall or come down with a case of the cramps of have some sort of calamitous incident occur to them. But the Asian Tsunami and the Hurricane spells that have been wrecking most parts of the world have proven time and again that nobody is ever fully safe unless they have holiday insurance.
It is a well known fact that falling sick when on a holiday can upset the best laid plans. But despite this knowledge, people tend to take holiday insurance for granted. One couple I knew made this mistake time and again till their luck ran out on them. On one particular trip to the Bermudas, they were diving, when the man met with a serious underwater accident. His wife had to spent every last penny of their cash on hand and even had her folks wire her some more money from home just to cover the hospitalization expenses. Since they had no holiday insurance, none of this money was reimbursable. And today, after almost three years since the accident, they are still paying up the debts they accumulated then.
Of course nobody plans to have an accident. Which is why they are called accidents. But having holiday insurance can minimize the financial aspect of having to face something like that on a holiday. The physical and emotional trauma will undoubtedly remain. But why add financial misery to that if it can be prevented by something as simple as taking up holiday insurance. I make it a point to take up holiday insurance whenever I go on a holiday. You should too.