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Tuesday, 16 September 2025

Travel Insurance Saved Me in Thailand — What Every Traveler Should Know

 I used to skip travel insurance, thinking it was just a money grab. But after a scooter accident in Chiang Mai, I realized how critical it is. This post is a mix of personal story and practical advice for anyone traveling abroad.

Subtopics & Answers:

  • What does travel insurance actually cover? Emergency medical care, trip cancellations, lost baggage, and personal liability.

  • How to choose the right plan for your destination Consider local healthcare costs, activities, and political stability.

  • Adventure sports and exclusions Many policies don’t cover scuba diving, trekking, or motorbike accidents unless you add a rider.

  • How to file a claim while abroad Keep receipts, medical reports, and contact your insurer immediately.

  • Comparing top travel insurance providers in Malaysia I review Tune Protect, Allianz Travel, and AXA Affin based on ease of claims and coverage.

  • My recovery story and how insurance helped I share how my RM18,000 hospital bill was fully covered — and how I avoided financial disaster.

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