Travel Insurance
At Tekinfiles, we understand that your vacation is a valuable investment. As part of our standard services, we protect your deposits and prepayments against financial insolvency—whether it’s our own company or our suppliers. However, there are many unforeseen factors that can affect your trip and your ability to travel as planned. While you can’t predict these events, you can prepare for them. For this reason, we strongly recommend that you secure adequate travel insurance to give you complete peace of mind while planning and enjoying your vacation.
What Is Trip Insurance?
Travel insurance works much like other types of insurance you may already have—such as home, car, or health insurance. Just as you wouldn’t drive without proper coverage for your car, why would you travel without comprehensive insurance?
The purpose of trip insurance is to protect you financially from unexpected events that may prevent you from taking your trip as booked, or that may interrupt your travel once you’ve started your vacation. A robust trip insurance policy covers financial costs resulting from these unforeseen occurrences and provides additional support to manage the situation and assist with your safe return home.
Why Is Travel Insurance So Important?
Having solid travel insurance is crucial, and Tekinfiles makes it a requirement for all of our clients to have adequate coverage. This requirement benefits you, our guest, and ensures that you can travel with peace of mind. Many travel companies—along with hotels, service providers, and partner operators—also mandate that travelers hold sufficient insurance before departure.
Unexpected events such as illness, bereavement, medical emergencies, severe weather, flight delays, or lost or stolen passports and luggage can cause you to cancel or interrupt your trip, leading to financial loss and additional expenses. While we hope these issues never arise, they can be much harder to manage when you’re far from home. A good insurance policy will help you navigate these challenges, offering financial support and using global networks to handle claims on your behalf.
What Does Good Insurance Cover?
A well-rounded travel insurance policy offers comprehensive coverage and financial reimbursement for a variety of potential situations, such as:
- Flight cancellations or delays
- Trip cancellations or amendments due to illness or bereavement
- Lost, damaged, or delayed baggage
- In-destination medical or emergency dental expenses
- Emergency assistance or transportation
- Rescheduling or flight change fees for covered reasons
- Air flight accidents
- Loss of passports or travel documents
- Theft or loss of personal belongings
- Rental car damage or deductible
Additionally, the Emergency Assistance component of your travel insurance policy can provide benefits such as:
- Medical referrals and assistance
- Traveling companion support
- Emergency cash transfer
- Legal referrals
- Assistance in locating lost or stolen items
- Replacement of medication or eyeglasses
- Embassy and consular services
- Worldwide medical information
- Interpretation or translation services
- Emergency message relay
- Pet return and vehicle return
- Identity theft resolution services
Our main recommendation is to thoroughly understand your policy and ensure it provides the level of coverage that fits the specific nature of your trip. For instance, if you’re booking a self-drive holiday, you might want to select a policy that includes a rental vehicle deductible waiver. If you or your family members have pre-existing health conditions, check that they are covered. Similarly, if you plan to engage in adventurous activities, you can customize your policy to include coverage for these.
When Should I Purchase Trip Insurance?
You can typically purchase trip insurance from the moment you pay your deposit, all the way up to your departure date. However, it’s important to note that insurance cannot be purchased once you’ve already begun your trip. Although you can leave purchasing travel insurance until just before departure, we recommend buying it as far in advance as possible to ensure you get the best coverage and value. Since policies take effect immediately upon purchase, securing your insurance early is especially important if you’ve booked your trip well in advance.
Where Can I Purchase Trip Insurance?
There are many companies that offer travel insurance, and finding the right one for you is easy! You can start by contacting your existing insurers—whether they provide home, car, or other types of insurance. Banks and credit card providers often offer travel insurance packages as well, so it’s worth checking with them for a quote.
For the best options, we recommend consulting an independent or specialist insurance provider. At Tekinfiles, we are fully independent and do not endorse any specific insurance companies. However, if you’d like guidance on where to purchase your travel insurance, feel free to reach out. We can provide you with recommendations based on feedback from past guests who’ve had successful experiences. Our advice is to get at least three quotes to compare coverage levels and pricing.