With rising incomes and global exposure, more and more Indians are happy to shell out money for their international travel plans. However, if you feel that buying travel insurance is just an unwanted expense, then think again.
Best Travel Insurance policies designed for all your needs.
Plans include global Covid-19 coverage
Now covers COVID-19
If you find that travel insurance premium unaffordable, then you should consider travelling again. Compared to thousands and lakhs of rupees you have set aside for a vacation, the nominal cost of your trip insurance plan shouldn’t affect you a lot.
This is because your travel insurance plan is the ultimate safeguard when you’re in a new place, away from the stability and reliance of your friends and family. In case of an issue, your insurance policy will be your best friend in an alien country, where anyone else may find themselves unable to help you.
Your international travel insurance is a contract offering necessary coverage for several situations. Most travel insurance companies in India focus on the following components:
Depending on the insurer, you can find specific benefits to suit your travel insurance coverage requirements.
From urgent medical assistance to covering the costs of getting a duplicate of your last passport, your travel insurance policy is extremely useful in sticking to your budget.
Especially when the costs of healthcare and living are so high in countries abroad, you will thank yourself for having spent that extra money on your plan.
Take a look at some of the best benefits of overseas travel insurance:
Travelling abroad is surely adventurous, however, while trying new things abroad you may find yourself in situations requiring medical care. The most common and essential purpose of buying an insurance plan for your trip is to avoid spending exorbitantly on healthcare if you need it.
However, countries like the US, Canada, and many others are extremely expensive and require valid health care to carry out the due course of treatment. The average daily cost of hospitalisation abroad can range anywhere from Rs. 11,000 to 75,000 depending on how serious your condition is.
Your immediate course of action should be to reach out to the authorities and get the required care. With travel health insurance plans, you can talk to your insurer and visit one of the network hospitals and easily claim reimbursement for your hospitalisation costs.
Everyone has gone through a bad experience or heard from people who have had a bad experience with flights or luggage delays. Not just medical expenses, your trip insurance plan will also cover many other issues that you may face during your travel.
Especially when you're travelling via connecting flights or have a layover, a delay may cause you a lot of loss, not to forget the delay in your plans and other added expenses later.
Similarly, cancelled flights and lost luggage are a bummer. You will certainly be frustrated and inconvenienced because of either situation. With the help of your insurance, you can easily claim reimbursements for your loss.
It’s not only your journey or health that will benefit from your insurance plan, it will also offer a lot of benefits while you’re staying abroad and busy having a good time. Issues that may hinder your trip, for example losing your passport or your luggage getting stolen are common and can ruin anybody’s trip.
In such cases, you can simply reach out to your insurer and they will assist you with the situation. Your insurer will help you with things like the procedure of getting admitted into the nearest hospital or help with the process of getting your lost passport issued. They will also help you contact the relevant authorities and facilitate communication with the relevant officials.
Travelling to a new country means venturing into the unknown. Different cultures, different weather conditions and a language you don’t know much about can certainly pose a challenge. Especially in the case of senior travellers or those who are visiting that place for the first time, it can be scary if they find themselves in an unpleasant situation.
If you do get stuck somewhere, no need to worry about geographical or language restraints. Since most travel insurance companies in India have a well-dedicated team abroad to cater to these emergencies, you can rest assured that you will have genuine help during such times. You can easily contact your insurer through the given toll-free number or the medium they have addressed.
Finally, while many countries make it optional to have a travel health plan, there are some places that require you to have a plan before they can approve your visa, for example, Schengen countries. If you’re really keen on visiting this country, then you will need to bear this extra cost. However, given that your plan can be customised with add-ons, it is a very sensible expense to both meet the mandatory requirements as well as have a safe trip abroad.
While you happily spend lakhs of rupees on a trip abroad, going one step extra to secure your entire trip can hardly ruin your budget. At a nominal cost, you can get hordes of benefits against threats like medical emergencies, unexpected disasters, legal expenses and a lot more. Even if something does go wrong, you will never regret insuring your trip.