What Does Travel Insurance Cover?
- DetailsWritten by PolicyBazaar -
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Updated date : 16 March 2020
Travel insurance has to be one of the most important aspects of your travel itinerary. Still, it is often overlooked. We do not realize that having the right travel insurance coverage gives us absolute peace of mind and we need not be concerned for any travel or medical-related emergencies during the period of the journey.
What Are Some of the General Travel Concerns?
There is no doubt that the slightest thought of travelling is exciting and fun-filled. At the same time, any mishap or accident would simply blow away your happiness and land you in a state of stress and worries.
However, we want to ensure that you enjoy and have a happy and safe journey and therefore, we recommend you to buy a travel insurance policy.
Investing in travel insurance coverage will secure you and your loved one from any monetary implications that may incur otherwise due to an accident or an unforeseen event.
There are some general concerns in the minds of every traveller specifically when travelling internationally. Some of the primary concerns are enlisted below:
- Cancelling the trip because of some emergency.
- Losing of the passport or the baggage.
- Falling sick/ ill in a foreign location.
- Leaving the destination due to some emergency.
These are some general situations, which one might face before or during the travelling period. To deal with situations, like these, the right travel insurance coverage will safeguard your interests.
As much important it is to avail the best travel insurance deal, it is more prudent to understand the travel insurance coverage that one would require. The travel requirements would largely depend upon the destination, duration, nature and purpose of the trip.
Before you zero down a travel insurance policy, you need to invest time and research about the travel insurance online, look for the inclusions and exclusions that are offered, compare and analyze the quotes of various travel insurance companies.
Below are some questions, which you might be sceptical about in regards to the travel insurance coverage offered? Let us have an understanding of each question one by one.
Does Travel Insurance Cover A Cancelled Trip?
There are fair chances that you might have to cancel your trip due to an emergency at your home or your workplace. Possible you might get severely injured in an accident or somebody close to you passes away. Uneventful situations like these do not come with prior notice. In the occurrence of such situations, you will have to cancel your trip.
Now, thinking about prepaid tickets and accommodations expenses. Well, do not be shocked. Having the trip cancellation cover will secure you for any prepaid and non-refundable expenses before you depart.
The various reasons to cancel your trip could be:
- Sickness/ Injury of a family member or perhaps the travelling companion
- The occurrence of any natural calamity or some terrorist activity at your planned travelling destination
You can also avail a trip interruption coverage wherein you will be covered if anything adverse occurs while you are already on your trip.
Will a Travel Insurance Cover Medical Emergency?
You may face any sort of medical situation in a foreign land. Medical emergencies are always disturbing and painful. If you face a medical emergency in the USA or any such countries then the expenses incurred would leave in a state of shock.
Having a medical emergency cover will secure you from any expenses incurred towards hospitalization or any sort of medical services availed such as diagnostic charges, ambulance charges and so on.
If required, you can also avail a medical evacuation cover wherein you will be transported to the nearby hospital or sending you back to your home country depending upon the urgency of the situation as per the direction of the medical practitioner.
Does Travel Insurance Cover Travel Delay?
There are chances that you may miss your connecting flight due to bad weather turmoil or probably of a mechanical breakdown of your flight. Under such situations, a trip delay cover will rescue you and you need not worry about the expenses.
The right travel insurance coverage will not let you worry for anything, which is beyond your control power and you can truly rely upon it.
If I lose Passport or the Baggage, Will a Travel Insurance Cover Lost/Delayed Baggage?
In case, you lose your passport or baggage or there is baggage is delayed, then yes, travel insurance does provide cover for the equivalent.
When the luggage is delayed you will be refunded up to a specified limit mentioned in the policy schedule. In case, you lose your items permanently you would be reimbursed to replace the lost items.
Will Buying Travel Insurance Cover Emergency Evacuation?
The expenses incurred towards evacuation are indeed devastating as mostly one is not prepared for the same. Emergency means without prior notice or something happening abruptly.
Supposedly, you are at a destination where some sort of either a natural or malevolent acts occurs or you are required to leave the destination on an immediate basis. You need not worry about the pre-booked flight tickets or the accommodation expenses or about the cost where you will be heading to. Having an emergency evacuation cover takes care of every need and your safety is the priority.
What if I Require Travel Assistance Round-the-Clock?
If you are looking forward to availing travel assistance round-the-clock, you may benefit the same by opting for the right travel insurance coverage.
With a plethora, travel insurance companies available in the market; look for companies who have round-the-clock assistance, which will be beneficial for you in case of both medical and non-medical emergencies.
Is it Possible to Opt For Any Additional Covers as per the Destination?
Yes, it is possible to avail different add-on cover depending upon the nature and purpose of your travel.
There are different add-on covers that you may opt by paying an extra premium amount. Availing add-on cover essentially enhances your plan and provides a further extra layer of protection.
Ask your insurance provider and opt for the covers that are essential and, which you think might be required during the trip. For instance, if planning to do any adventure or water sports activity, do not forget to buy a cover for the same.
Travel insurance coverage will surely make your journey hassle-free and stress-free. Buy travel insurance and protect your experiences and cherish them for a lifetime.
Besides, the list of inclusions and exclusions will vary from policy to policy. Therefore, before you make the payment, read the policy document, get your doubts clarified and then buy travel insurance policy online.
In case, of any emergency at whatever point of time during the period of your travel., inform your insurance provider without fail. Having the right travel insurance coverage will never feel you left stranded.
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