Over the past 400 years insurance has become an intrinsic part of our lives. Whether in a store, driving, sleeping in a hotel, visiting a friend abroad  or even walking to work, you or your assets are to some extent covered by insurance.

Travel insurance is one of the things we often forget to arrange in our rush to get ready for a trip, yet accidents and emergencies do happen.

These are never welcome but if they occur when you are away from home they come with an extra level of stress, since obtaining help in a foreign country can prove a challenge and be very frustrating.

If you are travelling anywhere in the world, whether alone or with your family and friends and whether  for business, cross border trading or pleasure, Zimnat can at least make sure that an accident or emergency does not become a total disaster.

Zimnat General Insurance offers you and your loved ones cover that will help make your life better in your time of  need, with cover ranging from  emergency medical expenses and illnesses, including pre-existing conditions such as HIV, to legal assistance, transmission of urgent messages, replacement of travel documents, money or credit cards, injury, flight cancellations and even lost baggage.

Perhaps you or a member of your family falls sick and has to be hospitalised while on holiday, leaving you faced with huge hospital bills, or you are left stranded at a border because your travel documents and money have been stolen.

Situations like these are why travel insurance is a must. When you have travel insurance with trip cancellation benefits, you can obtain reimbursement for prepaid, non-refundable trip costs when you have to cancel your journey for a covered reason.

Covered reasons can include serious illness, injury or death of the insured person, a travel companion or a family member or a natural disaster or other event that renders your destination uninhabitable.

When you are wondering whether paying for travel insurance is worth it, weigh up the small cost of buying insurance against the massive costs of a medical emergency overseas or replacing stolen or lost goods and money.

For business people, whether they are travelling to other continents or to a neighbouring country, perhaps as a cross border trader, Zimnat travel insurance provides cover for travel delays, lost trade samples and cancellation costs.

It even has an optional hospital cash back plan in the event you are hospitalised.

For those travelling as groups, whether on holiday or on an educational trip, Zimnat offers affordable group cover schemes. A group might be made up, for instance, of friends, family members or students.

Insurance can be really affordable. When you request a quotation for travel insurance, Zimnat will  present you with multiple coverage options, so you can pick the plan that best suits your trip and  budget. The best way to find a low-cost travel insurance plan is to request a quote for your next trip and plan ahead.