What is the Risk of Going for a Tour without Travel Insurance?
- DetailsWritten by PolicyBazaar -
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Updated date : 18 December 2019
When we travel, we escape the hustle and bustle of our everyday lives. Travel means exploration to some, relaxation for some and a refreshing perspective for all. Be it a new destination or the annual trip to your grandmother’s house, travel is a balm for the weary soul.
Thanks to the multiple click-bait websites on the internet, traveling has been glorified like never before. These websites trick you to think if you’re not traveling, what are you even doing with your life? If you’re not traveling, you’re missing out on so much.
Now, people have started making travel plans simply because of the peer-pressure. If you’re guilty of doing so, stop it. Take a deep deep breath and relax. Traveling gives you perspective; it exposes you to new cultures and new experiences. So travel, only if you want to, not because people or websites tell you.
And when you travel, make a foolproof plan to take care of all your travelling needs.
Don’t wait for something wrong to happen. Having a travel insurance plan makes sure that you have a regret-free traveling experience. All it takes is a small incident, during your most-awaited trip, to imbalance your finances.
An adequate overseas travel insurance plan helps you to be proactive and handle whatever the ugly side of travel throws up to you. Loss of luggage, flight delay, flight cancellation, medical emergencies are a few of the most-common incidents, that one might have to face. In a foreign land, amidst strangers, nobody wants to be stuck. For that very reason, having insurance coverage becomes an absolute necessity to safeguard you against these risky situations.
The sole purpose of the existence of travel insurance plan is to safeguard our well-being and finances.
Different people have different travel insurance needs, so there are different travel insurance plans. You can pick a travel insurance plan on the basis of the frequency of your travel. If you travel once a year, a single trip travel plan is ideal for you.
If you take more than three trips in a year, buy multi-trip travel insurance plan and you’re good to go.
Travel insurance plans take care of your various travel needs. Most of the travel insurance providers offer adventure travel plans, business travel plans, leisure travel plans, international travel plans and overseas student travel plans.
Overseas Travel Insurance Plan
Generally, most of the travel insurance plans offer the following coverage.
- Emergency medical expenses
- Trip delay
- Delayed baggage
- Loss of passport
- Missed flight connection
- Loss or theft of documents or personal possessions
- Accidental injury or death
- Trip cancellation due to sudden weather conditions
Why is Travel Insurance Important?
When you globetrot, you are exposed to various kinds of risk. We all love the fun side of the travel and don’t want to experience the rough side of it. The thing is, we don’t get to decide which side we experience and when one is exposed to the ugly side, he/she has no choice but to deal with it.
A travel plan helps your travel plans sail smoothly. Be it the loss of luggage, missed, delayed or canceled flight, loss of passport, accident, sudden sickness, theft, natural catastrophe, your travel insurance plan shields your safety and security.
The situations mentioned above are enough for you to realize the importance and need of travel insurance, especially, when you are in a foreign land, miles away from home.
Benefits of Travel Insurance
Here are the advantages of travel insurance plan that risk-proofs your travel.
Checked-in Luggage Loss or Delay- Airlines have been known to misplace passenger luggage for ages. A travel plan covers the expense so that you can replace your lost checked-in luggage and start your trip.
Medical Treatment and Emergency Evacuation- In case of an injury or sudden sickness, your insurance plan looks after your well-being. Diagnostic tests, medicines, medical supplies, medical expenses are covered by your insurance provider.
Not just that, in case the insured person needs to be evacuated his/her home country, the insurance provider makes the necessary arrangements for providing air ambulance as well.
Personal Accident Cover-In the event of a road accident that leads to permanent disability or death, a pre-decided amount is provided as compensation.
Repatriation of Mortal Remains- In case the insured person dies, the insurance provider covers the expenses for repatriation of her/his mortal remains back to his/her home country.
How to Purchase travel insurance Plan?
It is as simple as online shopping. You can embrace the technology and buy a travel insurance plan online. There are offline modes of buying travel insurance but they are extremely outdated in today’s time. There are various travel insurance plans that offer several benefits in a single package.
Reason for purchasing Travel Insurance online
Let’s explore the benefits of purchasing Travel Insurance online
Hassle-Free and Convenient- Purchasing online travel insurance is a super easy and smooth process. All you have to do is search for the best travel insurance plans and you will find various plans available online. The key to finalizing the best travel insurance plan is by keeping your insurance expectations in mind. Go for the plan that fulfills your insurance expectations.
Easy and Quick Booking- You don’t have to visit the office of your insurance provider physically and waste your precious time. You can quickly purchase it from the comfort of your home by a few clicks.
Premium Comparison- When you buy travel plan online, it gives you the room for online comparison. You can compare various plans, so that you can decide which plan offers you the best insurance coverage at best insurance premium.
Flexible Payment Options- With the power of the internet, you can buy insurance premium using your debit/credit card or NEFT. These online modes of payment are user-friendly as well as safe and secure.
Things to Keep in Mind
- There are some countries, such as the America, where it is a compulsion for the tourists to purchase travel insurance. Otherwise, you can’t get entry to their country.
- Also, it is recommended to carefully go through the fine print of your insurance plan so that you don’t make any assumptions related to the coverage.
- Do check out the inclusions as well as exclusions of your travel plan. Exclusions are as important as inclusions.
- Instead of insurance premium, select or reject an insurance plan on the basis of insurance coverage.
In A Nutshell
An insurance plan gives you that much-needed peace of mind, and a risk-proof vacation. In developed countries, medical costs are very expensive. As a tourist when you go there and you need medical help, the medical expenses can burn a hole in your pocket. Travel insurance plans cease to operate when you participate in adventure sports. There are some insurance providers, who even consider horse riding as an adventure sport. If you are an adrenaline junkie who is planning an adventure trip, you can buy travel plans custom-made to cover adventure sports.
Don’t buy the first plan you come across. When it comes to buying travel insurance, comparison is the key. Have fun and travel safe!
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