Are you a frequent traveller who often gets into trouble taking care of your pet or sports equipment while flying? Even worse, when travelling to high-risk countries without getting enough coverage can potentially be worrying.
A typical travel insurance policy covers personal accidents, medical treatment, hospitalisations, and inconveniences in the form of travel or baggage delays or missed departures. But what happens when your pet animal is missing or if someone hijacks your plane in transit?
We can hope these things will not happen, but they can’t be avoided entirely. Hence, getting coverage is important, especially when you’re travelling abroad.
What is Travel Insurance Lifestyle Cover?
In simple words, travel insurance lifestyle cover protects against inconveniences that can arise during your trip. This typically includes home care, pet care, hijacking inconvenience and ransom.
Some insurance companies may market this under travel inconvenience coverage, while others, like Tokio Marine, may have it as an add-on option or a separate category.
It is ideal for regular travellers who often fly with their pet animals, but it can also benefit occasional travellers during emergencies. Below are some examples of what the lifestyle cover includes and why you might need them.
Home care
Home care in travel insurance refers to the coverage provided for medical assistance that can be administered in your own home or accommodation while travelling.
It applies when you have a non-emergency medical condition that requires ongoing treatment or monitoring, such as kidney failure or cancer but doesn’t require hospitalisation.
Home care coverage can be particularly useful for individuals who cannot travel to a medical facility due to their condition. It ensures you can access medical services while away from your home country.
Golfers cover
This is a specific type of coverage for individuals who plan to play golf during their travels. It provides additional protection and benefits to golfers while playing golf abroad. Common features of the golfer’s cover include but are not limited to:
Golf Equipment Coverage
Protection for golf equipment, including clubs, bags, and other accessories, against loss, theft, or damage.
Golf Course Closure
Reimbursement for prepaid green fees or additional transportation expenses if the golf course at the travel destination is out of operation due to bad weather or maintenance works.
Hole-in-One Coverage
Coverage for expenses such as celebratory drinks or a contribution towards the bar bill for golfers who achieve a hole-in-one during their trip.
Pet care
Pet care in travel insurance provides financial protection and assistance for your pets while you are travelling. It is designed to address unexpected situations involving your pets during your trip.
As some people can’t leave their pets behind while they travel, it is necessary to consider having this in the insurance policy. Key features of pet care coverage in travel insurance:
Veterinary Expenses
Compensation for veterinary treatment if your pet becomes ill or injured during the trip. Expenses include consultations, examinations, medications, surgeries, and other services.
Lost Pet Expenses
Advertising or reward expenses to locate and retrieve your pet if it goes missing or is lost during the trip.
Trip Interruption
Coverage for trip curtailment or cancellation due to your pet’s health.
Trauma care
Trauma care refers to financial assistance and support in the event of a traumatic incident during your travels, such as hijacking or ransom. Below are some of its features:
Hijacking Inconvenience
If your plane is hijacked during transit, the insurer may provide additional compensation to you or your family members to make up for the inconvenience.
Compassionate allowance due to kidnap
In the event of your kidnap or your child or family members, the insurer may offer a special allowance as a gesture of compassion.
Trauma Counselling
Counselling support to console you or your family members if a mishap occurs during your trip. This is to help alleviate stress and emotional issues that may affect you.
Lifestyle cover in travel insurance
Lifestyle coverage can be incredibly useful if you frequently travel and need additional protection. Inconveniences can arrive in many ways, and the best way to avoid them is to consider special add-ons like this.
Getting your ideal travel insurance has never been easier. Now, you can easily compare quotes from different companies at Bjak and choose the best plan to suit your needs. Travel smart with peace of mind, and always enjoy your vacations.
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!
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