When the holiday took a turn
Amanda had been counting down the days to her backpacking trip across Vietnam. She had booked her flights and hostels months in advance to secure early-bird rates. Everything was set. But three days before departure, a casual game of futsal changed everything. A bad tackle resulted in a fractured tibia. The doctor’s verdict was clear: no walking, certainly no backpacking.
The financial worry
Amanda was devastated. Not only was she in pain, but she was also looking at a significant financial loss. Most of her “saver” flight tickets and budget accommodation bookings were strictly non-refundable. She felt like she was paying for a holiday she would physically never get to enjoy.
Turning to travel insurance
She remembered buying travel insurance from our advisor at TM Legacy Builders. At the time, she thought she was buying it for medical emergencies during the trip. She hadn’t realized it protected her before she even left the country. She called our advisor, expecting the worst.
Our advisor reassured her immediately. “This is exactly what the cancellation benefit is for,” he explained. Because the injury was serious and medically certified as unfit for travel, the policy would cover the irrecoverable costs. Amanda submitted her medical report and the “no refund” confirmation emails from the airlines and hostels.
Trip costs recovered
The claim was processed smoothly. Amanda received a refund of RM3,200—the full cost of her pre-booked expenses. Instead of feeling bitter about the lost money, she was able to put it into a savings account.
According to industry data, nearly 40% of travel insurance claims are related to cancellation or disruption. Life is unpredictable, and injuries can happen at home just as easily as abroad.
Amanda spent her recovery planning her next trip, using the refunded money to book an even better itinerary for when her leg healed. TM Legacy Builders proved that travel insurance isn’t just for when you’re away; it’s protection for the plans you make.
Key takeaways for travellers
- Always prepare for the unexpected; injuries can happen days before departure.
- Travel insurance covers irrecoverable costs due to medical unfitness to travel.
- Protection allows you to recover without added financial stress.
How TM Legacy Builders supports safe travel
We help travellers select appropriate coverage for their trip. We explain the benefits clearly before departure, and we are here to provide support when plans go wrong. We focus on real-world travel risks and ensure our clients get the care they need.
