No matter to where you are planning to travel, Travel Insurance should be on your planning list. When taking trips to any port in the world, there is any number of mishaps that can occur that can put a damper on your trip. With it’s capitol being Katmandu, Nepal is nested in the Himilayas below the basecamps and close to the Annapurna mountain range. Even though political strife has existed in Nepal for decades while both China and India try to dominate this rugged culture, the hearty and resilient nature of the Nepalese attracts many tourists every year. Whether you’re interested in climbing Everest, looking to for bargains on hand-woven tapestries or just going there for the dal-bhaat, Nepal provides something for all sorts of families.
With the friendly atmosphere, honest residents and healthy activities to pursue while you’re there, you may be asking yourself whey on earth you would need travel insurance for such a tranquil location. Nepal is indeed a third-world-country and with that is poor sanitation and a variety of food-born illnesses that the locals do not even notice because their biological flora and fauna have developed a natural immunity to these sicknesses. You however as the traveler have not. And what may be a delightful cup of chai tea may turn out to be an incapacitating case of food poisoning from dirty water.
Nepal is a delightful experience and the people are warm and friendly. If one looks up the definition for the local Nepalese greeting; “namaste” you will get an idea as to the depth of humanity that this region possesses. In order to truly enjoy your trip, secure in the knowledge that you have planned for the unexpected, you can now divert your attentions towards enjoying this small jewel nestled at the top of our planet.
People in general are aware that when they travel to foreign countries they are wise to take out travel insurance when they book their holiday,or alternatively to purchase a plan that covers a whole year’s travelling. And most people wouldn’t think about leaving the country without it, well aware of its necessity in the event of an unplanned occurrence. The Philippines is a wonderful tropical country, with a fantastically diverse array of culture, wildlife, and landscape scattered across the 7,107 islands that make up the Philippine archipelago. The vast majority of the 2 million travellers who visit the Philippines each year have incident-free trips. But, as with almost any country in the world, there are dangers individual to the Philippines that travellers need to be aware of before they go.
The countries in the tropics are both blessed and cursed by their location. The Philippines sits on the edge of the Pacific Ring of Fire, where seismic disturbances are common. This is why the Philippines is prone to so many active volcanoes; but thankfully modern scientific methods are able to give early warning of eruptions. Of greater importance still, is that the country sits inside the Western Pacific tsunami belt, and suffer, on average, 19 strikes a year. The soundest advice is not to travel to the region in-between June and November, which is also when typhoons occur. Travellers to the Philippines during this period should ensure their travel insurance will cover the aftermath of natural disasters such as tsunamis. Exemptions such as this are likely to affect remuneration for displacement expenses more than medical care. Also, things like backpacking may need dedicated backpackers insurance.
The other main unexpected exemption is for sports such as scuba diving. The Philippines is one of the world’s top diving destinations, so again, make sure that the policy covers this. Some companies even offer policies that take into account such extreme activities and sports. Generally, it does not cost much toditional cover, and this is sometimes the easiest way to make sure an existing policy provides adequate cover.
