What is travel insurance
Let’s first understand what travel insurance means. Travel insurance is an insurance cover specifically tailored to cover the risks related to travel, which is not just limited to domestic but includes international travel as well. For example: You had planned a trip to Paris but due to falling sick all of a sudden you had to cancel the trip. With travel insurance all the charges due to cancellation are reimbursed by the insurance companies. In this blog, we’ll understand what are the essentials for travel insurance.
Importance of travel insurance
Travel insurance is like a safety blanket that offers protection against a range of unforeseen events. Below are some key reasons why travel insurance is essential:
Journey related
- Trip cancellation: Life is unpredictable, and sometimes you have to cancel your trip or return home early due to unforeseen emergencies, illness, or other unexpected events. Travel insurance can reimburse you for non-refundable trip costs.
- Flight delays and cancellations can throw off your travel plans and lead to additional expenses. Travel insurance can compensate you for extra costs like accommodation and meals due to these delays.
- Emergency evacuation: In the rare event that you need to be evacuated for medical reasons or due to a natural disaster, travel insurance can cover the costs involved in getting you to safety.
- Coverage for adventure activities: If your vacation includes adventure sports or activities, like hiking or scuba diving, make sure your travel insurance includes coverage for these activities. It’s better to be safe than sorry.
Medical related
- Medical emergencies: Provides coverage for any emergency hospitalization, accidents and illnesses that can strike anywhere, and medical treatment abroad can be expensive. Travel insurance covers medical expenses, ensuring you receive the care you need without breaking the bank.
- Personal accident: Provides coverage for any unexpected event resulting from an accident, death, or permanent disability that may occur during your travels.
- Medical evacuation: In case you require an emergency transportation and evacuation services, to transfer you to an appropriate medical facility within the insurer’s network.
- Common carrier accidental death: Lump sum payment of sum insured is made in case of accidental death as a passenger on a common carrier / transport.
- Dental expenses: Covers dental related expenses incurred in connection with any injury while on your trip.
- Hospital daily cash allowance: Minor medical costs during hospitalization can deplete your travel budget, but travel insurance encompasses these small expenses, allowing you to allocate your funds towards creating unforgettable memories.
- Medical and body repatriation: In case of death, travel insurance includes coverage for the expense associated with repatriating the deceased person’s remains to their home country.
Baggage related
- Loss of baggage and personal documents: Misplacing your carry-on bag or important documents like your passport can be an unfortunate occurrence for anyone. Hence, travel insurance comes to the rescue by alleviating the stress through reimbursement of expenses for obtaining a duplicate or new passport.
- Loss of checked-in baggage: Misplaced your checked-in luggage? You don’t have to go without your essentials and vacation necessities. Travel insurance offers compensation for your loss in such situations.
- Delay of checked-in baggage: No one enjoys waiting, especially when it comes to starting your vacation as scheduled. That’s why travel insurance steps in to ensure that if your luggage experiences delays, you’ll receive compensation for the essential items you need while the situation is resolved
Conclusion
Travel insurance might seem like an additional expense, but it’s a small price to pay for peace of mind. It ensures that when the unexpected happens, you can focus on enjoying your trip instead of worrying about how to deal with unforeseen challenges. So, the next time you plan a vacation, make travel insurance an essential part of your preparations. It’s a decision that can save your vacation and keep your cherished memories intact.
By- Shivani Modi
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