Before we begin, let me clarify: this post isn’t meant to be negative. It’s just a realistic look at the risks of travel. There’s no Photoshop glamour or unrealistic promises here—just practical advice based on years of experience in the field. Yes, this will be a long read, as warned above, but I believe it’s worth your time.
We all know the excitement of planning a trip—whether you’re ticking off a bucket list item, indulging in a packed itinerary, or simply unwinding for a much-needed break. However, many travelers fail to plan for the unforeseen risks that can arise while abroad. Financial issues, health problems, and safety concerns can all emerge unexpectedly. To save you money and minimize potential risks, let’s walk through some practical guidelines.
Before You Go
Take a Working Phone
A working mobile phone is essential when traveling internationally. Make sure you have a provider that works abroad, or purchase a local SIM card. Your phone is more than just for calling—it can be your lifeline. Download offline maps on your Maps app and add local language packs to Google Translate. A small but incredibly useful tip: consider writing an emergency contact number on your phone’s lock screen. Most phones allow this feature, and it could save crucial time in an emergency.
Medical Conditions and Special Needs
If you have any medical conditions or special needs, make sure to carry a card with that information in your wallet or attached to your backpack. Include an emergency contact number, so others can act quickly if something happens.
Protect Yourself Online
In today’s digital age, protecting your personal data is vital. Backup photos and important documents to the cloud (like Google Photos or iCloud). Additionally, consider using a VPN, password manager, and enabling two-factor authentication on your apps and websites to keep your online accounts secure while abroad.
Buy Travel Insurance
Travel insurance is essential. It covers you for unexpected costs and emergencies, whether it’s a canceled flight or a medical issue. Keep receipts for everything—flights, tours, accommodations—so that if something goes wrong, you’ll be able to back up your claims.
During Your Journey
Know the Local Emergency Information
Emergency numbers differ from country to country. In Europe and Central Asia, for example, the emergency number is typically 112, while in the UK, it’s 999. Do a quick search to find the emergency number for the country you’re visiting, and save it in your phone. The number for your embassy is also a good thing to know, in case you need assistance from your home country.
Take a Card
When you check into your accommodation, take a business card with the hotel’s name and address. Keep it with your wallet or passport. If you find yourself lost or unable to communicate, showing a cab driver the card can help them get you back safely. Alternatively, take a photo of the front of the building. This small step can make a big difference when you need help.
Minimize Risk
Be smart about your valuables. Don’t keep your wallet or passport in your back pocket. Consider using a small lock for your purse or backpack to make it harder for someone to swipe your belongings. If you make your things easy to access, so can pickpockets.
And What If Things Go Wrong?
While there are countless scenarios where things could go wrong, most risks are similar abroad to what we face at home. Cars are dangerous, and pickpockets tend to target crowded places. The most important thing to remember is that emergencies have happened before—probably to locals as well—and help is always available.
Whether it’s visiting a hospital, clinic, or police station, there are systems in place to assist travelers. Preparation—such as knowing the emergency number and having a working phone—can save you time and stress in these situations.
What About Insurances? Aren’t They Expensive?
In Portugal, we have a saying: “O seguro morreu de velho,” which translates to “Insurance outlives you.” It might sound funny, but it’s a reminder of just how important insurance can be. Here’s why you should always opt for comprehensive travel insurance:
Why You Should Always Buy Full Travel Insurance
- Peace of Mind: Travel should be about enjoying your adventure, not worrying about the “what-ifs.” Comprehensive travel insurance offers peace of mind, knowing you’re protected against unexpected events.
- Financial Protection: Medical costs abroad can be astronomical. A minor injury could lead to enormous bills. Travel insurance covers these expenses and shields you from financial hardship.
- Coverage for Trip Interruptions: Weather, strikes, or personal emergencies can alter your travel plans. Travel insurance can cover the costs of canceled flights, unused accommodations, and more.
- Lost or Stolen Belongings: If your luggage goes missing or is stolen, travel insurance will help you recover the cost of your belongings. Without it, you might be left without crucial items or with a hefty replacement bill.
- Emergency Assistance and Evacuation: In the event of a serious emergency, insurance can cover medical evacuations, repatriation, and other vital services that get you the help you need quickly.
- Accidental Death and Dismemberment: While no one wants to think about the worst-case scenarios, this coverage can provide financial assistance to your loved ones in the event of fatal accidents.
- Liability Coverage: If you’re responsible for an injury or damage to someone’s property while traveling, liability coverage helps cover the cost of legal fees and damages.
Rental Cars: Full Coverage vs. Deposits and False Damages
Renting a car can be convenient, but it also presents unique risks. Here’s why you should opt for full coverage:
- Avoid Large Deposits: Rental companies often demand a hefty deposit if you don’t take full coverage. With full insurance, you can avoid this large upfront cost.
- Protection Against False Damage Claims: Some rental companies may falsely claim that you caused damage to the car. Full coverage protects you from such claims, saving you from unexpected charges.
- Comprehensive Damage Protection: Full coverage ensures that you’re protected from theft, vandalism, and accidents, without facing large out-of-pocket expenses.
How to Ensure You’re Fully Covered
- Enquire About Coverage: Understand exactly what your insurance policy covers, including medical costs, trip interruptions, lost belongings, and car rental insurance. Don’t assume everything is included—some policies provide only the minimum coverage.
- Always Opt for Full Coverage: Basic policies may seem like a cheap option, but they leave you exposed to risks. Full coverage ensures you’re protected for all eventualities.
- Read the Fine Print: Insurance policies are often complicated. Take the time to read the details, so you understand any exclusions, limitations, and conditions.
- Compare Policies: Not all insurance policies are equal. Compare different providers to find the one that best meets your needs.
- Keep Documentation Handy: Carry a copy of your insurance policy, emergency contact numbers, and any other relevant documentation in case of emergency.
Conclusion
Travel is exciting, but it’s also unpredictable. By taking the time to prepare for the unexpected, you can reduce stress and focus on enjoying the adventure. Whether it’s knowing emergency numbers, having a working phone, or buying comprehensive travel insurance, being prepared can save you time, money, and even your health.
Don’t let unforeseen circumstances derail your trip. Be smart, travel safely, and travel with peace of mind!
#Useful_Tips #Portugal_Unplugged
