When his experienced guide notices acute altitude sickness in his guest he called Kathmandu and immediately ordered for a chopper. John was brought to Kathmandu and treated. Within days, he was fit and fine and again walking around the hills of Kathmandu.

He was happy for getting a second life and equally happy traveling around the city. This became possible only because of the health insurance travel policy he had purchased. If he had to worry about the loss incurred in the medical bills his holiday would have been ruined.

I am fit and fine now, He said as he loitered around Thamel, the tourist hub of Kathmandu. Instead of trekking I will travel around the city the villages. The hefty amount I paid for the health insurance travel policy came into use he said.

And after the rejuvenating holiday he could swiftly go back to his country and get back to work without having to work extra hours just to pay off the medical bills. Thanks to the insurance polic7y he purchased his sheet was perfectly balanced.

Another, Collin was not so lucky. While setting out

for the trip he considered the health insurance travel policy as worthless. Only when some kind of flue attacked him in the beaches of Goa, he realized that he had blundered. He was rescued by family members and treated in his home country. But he was left with a hangover. I will have to work extra hours for many months now to pay off my medical bills.

These two anecdotes show how important it is to purchase a travel insurance policy before setting out for a trip. Thanks to the visa policy adopted by many nations that makes it mandatory for travelers to travel with a travel insurance policy, most traveler travel with one these days. However, there are still many countries, which allow tourists without any insurance. It is at these instances that travelers fall prey to unfortunate circumstances.

Travel insurance has its significance over a general insurance policy in that many of the local insurance policies cover damages only in the home country, a fact that some of choose to ignore.

So, traveling without a health insurance travel policy in your brief case is risky and totally not advisable. Although, most of us do not travel without a travel insurance policy, those who are traveling on budget are likely to travel without one. In many cases, it is mandatory by law to purchase a health insurance policy of that country before getting a visa.

This article aims to highlight the importance of travel insurance and risks you can run through if you have not purchased one.

Some people might feel that purchasing a travel insurance is redundant. Yet, others might get away with cheap travel insurance policies to get through the visa policy without going through their offers.

Forget about big illnesses, which are a question of life and death. What if you suffer from a small illness that could be cured locally with a moderate budget If you have a travel insurance policy this can be easily ignored as you can get along with your visa policy. However, if you do not have one and live on a low budget this is going to spoil your holiday because of the bitter feeling of having lost the money.

Travel insurance is equally important if you undergo some unfortunate circumstances. What if you are looted or lose all your belongings on the way. Will you come back to your home bare footed. Even that might not be possible. You will have to probably take resort of the embassy of your home country. Back home you will have to start from scratch. Up for that just for the want of saving some money

If you are professional traveler, carrying valuables like cameras and all an insurance policy is more important. While most of us will already have an insurance policy it is advisable to purchase a new policy while traveling to other countries, because much insurance do not cover damages in other countries.

Before purchasing a travel insurance policy, there are many things you need to consider. Many countries do not give a visa without a proper insurance. However, the places where problem lies is at places with open borders and developing countries or the places marred with some kind of violence. Particularly, if you are traveling in countries, which bear more risk in terms of civic violence or natural calamities, you should never choose to travel without a travel insurance in an attempt to save money.

You can consider to kinds of travel insurance. One can cover death too others might cover just illness while others cover all three including burglary. If you are purchasing a policy that covers death and have dependents, you need to inform the nominee of your policy the details of the policy. In case of any unfortunate incidents, god forbid, it is the dependents (or rather the nominee to be precise) who need the insurance policy.

The amount of insurance is also one thing that you should consider. Before traveling you should collect information about the place you are traveling to and find out what could be the emergency cases and how much may be required in case of emergencies. You can choose the size of your premium depending on that.

While, purchasing a travel insurance policy, you should brief the insurance agent about the place you are traveling to and the possible risks involved in that. Insurance policies are of various nature. There are limitations in what they cover and what they do not. So, the insurance agent should know what are the risks involved and whether the particular policy suits you or not. Whether it covers such risks or not It would not be more embarrassing to be turned down on an insurance claim because the particular loss you incurred is not covered by that policy.