We plan vacations to take a break from the jostling hustle bustle of our daily city lives and relax. The itineraries are meticulously planned after hours of research over the Internet and reading innumerable travel blogs. We give the same level of diligence and attention to travel and accommodation bookings. All this to achieve two main goals: great time with relaxed mind during the vacation and bookings/arrangements that don’t break the bank.
But most of us often ignore or choose to turn away from Travel Insurance during all this planning. While it may seem an insignificant detail at the time of booking, travel insurance can actually save the day during a crisis. Studies have found that until it is mandatory by the destination country, a majority of Indians choose not to buy International Travel Insurance online or from the travel agent, even though they know about it. This is more about not knowing in detail about the benefits of an international travel insurance plan.
With more and more bloggers and travelers also talking about it from their experience, Travel Insurance is now being seen in a different light and with new age insurance portals coming up it has become even easier to compare and buy International Travel Insurance online. Here we bring you 7 reasons why you should opt for the travel insurance before heading out for your vacation.
1. Assistance in case you lose your passport or luggage.
It can be quite a harrowing experience if you lose your passport or your luggage in a foreign land. The process of managing in such crisis and arranging the necessary items/documents can dampen the vacation plans. Therefore, you should buy International Travel Insurance online before leaving for your trip and make sure that the cover includes these kinds of emergencies and provide assistance to expedite the process of issuing duplicate passport/relevant documents at the time of need.
2. Emergency medical coverage
Medical emergencies can occur anywhere, anytime. When you are in your country, your health insurance plan covers the medical expenses. But what about any medical needs due incidents or due to pre-existing conditions? A good overseas travel insurance plan not only covers your medical expenses due to a pre-existing condition if any but also provides you with cashless medical expenses in case of need. Hence, when you are planning to buy International Travel Insurance online, make sure that the medical coverage is comprehensive yet tight.
3. Expenses occurred due to cancellation or delay
Whenever there is any sort of cancellation, be it cancellation of flight or stay, the traveler ends up bearing expenses. This is not a desirable course and often ends up adding to your stress and shaking the budget. While you may have prepared contingencies for such an event, you can avoid the hassle caused by cancellations or delay entirely. Before making any bookings towards your trip, make sure you buy International Travel Insurance online, a plan that covers changes due to cancellation or delays. Another important aspect to keep in mind are the delays, for instance, while waiting for the return flight home, you get stuck at the airport for an entire day due to heavy fog/snow and have to take up some sort of accommodation. Now, if your overseas travel insurance plan covers such expenses, you need not worry about such unprecedented expenses.
4. Emergency evacuation expenses
Calamities such as natural disasters, terrorist acts etc. or even a serious medical emergency can create the need for emergency evacuations. These emergency evacuations can bill up to thousands of dollars, depending upon the originating and destination country. If you include emergency evacuation expenses when you buy International Travel Insurance online, it not only helps cover the expenses but also provide assistance that makes such services available to you on foreign land. It is also pertinent to consider the limit your cover provides for such expenses.
5. Accidental death or disability
Unfortunate events such as death and disability are hard to cope, especially in a foreign land. There are innumerous formalities associated with such incidents and travel insurance helps with the expenses while also providing assistance. Some overseas travel insurance plans also provide additional coverage that also includes the process to ship the remains of the deceased home.
6. Trip interruption
Just as a good overseas travel insurance plan covers unforeseen expenses due to cancellation, if stipulated in the terms, the plan also takes care of cash advances in case of interruptions. For instance, if there is an interruption in your travel or maybe a missed flight, travel insurance reimburses the expenses incurred. One element to watch out is the list of exclusions and terms of cancellations.
7. Round the clock assistance in case of emergencies.
Being on a foreign land is already intimidating, especially when you are not familiar with the local language. Even though it might sound like a frivolous advantage of buying an overseas travel insurance plan, having a 24X7 number for round the clock assistance can come in handy in case of emergencies. In adverse situations, having access to the travel insurance helpline can save the day.
Each country has a specific set of requirements in terms of insurance cover; also certain aspects of cover apply to only some grounds of the claim. For instance, few countries make it mandatory to have travel insurance as part of the visa formalities. The benefits offered by the insurance may outweigh any doubts regarding it, provided you keep the premium amount in check and cover all the bases according to the travel plans.
While many points about overseas travel insurance may seem insignificant, these points sometime make all the difference in case of emergencies. Hence it is pivotal to read and understand the terms of the plan. Even if the travel plans are as uncomplicated as relaxing at the beach or exploring the local markets, or adventurous as skiing, having travel insurance helps lessen the worry while traveling. Consider your overseas travel insurance plan as a security net to safeguard your vacation so that you can have a great time without hurting the pocket.
For more updates and News follow Policybazaar Youtube Channel
But most of us often ignore or choose to turn away from Travel Insurance during all this planning. While it may seem an insignificant detail at the time of booking, travel insurance can actually save the day during a crisis. Studies have found that until it is mandatory by the destination country, a majority of Indians choose not to buy International Travel Insurance online or from the travel agent, even though they know about it. This is more about not knowing in detail about the benefits of an international travel insurance plan.
With more and more bloggers and travelers also talking about it from their experience, Travel Insurance is now being seen in a different light and with new age insurance portals coming up it has become even easier to compare and buy International Travel Insurance online. Here we bring you 7 reasons why you should opt for the travel insurance before heading out for your vacation.
1. Assistance in case you lose your passport or luggage.
It can be quite a harrowing experience if you lose your passport or your luggage in a foreign land. The process of managing in such crisis and arranging the necessary items/documents can dampen the vacation plans. Therefore, you should buy International Travel Insurance online before leaving for your trip and make sure that the cover includes these kinds of emergencies and provide assistance to expedite the process of issuing duplicate passport/relevant documents at the time of need.
2. Emergency medical coverage
Medical emergencies can occur anywhere, anytime. When you are in your country, your health insurance plan covers the medical expenses. But what about any medical needs due incidents or due to pre-existing conditions? A good overseas travel insurance plan not only covers your medical expenses due to a pre-existing condition if any but also provides you with cashless medical expenses in case of need. Hence, when you are planning to buy International Travel Insurance online, make sure that the medical coverage is comprehensive yet tight.
3. Expenses occurred due to cancellation or delay
Whenever there is any sort of cancellation, be it cancellation of flight or stay, the traveler ends up bearing expenses. This is not a desirable course and often ends up adding to your stress and shaking the budget. While you may have prepared contingencies for such an event, you can avoid the hassle caused by cancellations or delay entirely. Before making any bookings towards your trip, make sure you buy International Travel Insurance online, a plan that covers changes due to cancellation or delays. Another important aspect to keep in mind are the delays, for instance, while waiting for the return flight home, you get stuck at the airport for an entire day due to heavy fog/snow and have to take up some sort of accommodation. Now, if your overseas travel insurance plan covers such expenses, you need not worry about such unprecedented expenses.
4. Emergency evacuation expenses
Calamities such as natural disasters, terrorist acts etc. or even a serious medical emergency can create the need for emergency evacuations. These emergency evacuations can bill up to thousands of dollars, depending upon the originating and destination country. If you include emergency evacuation expenses when you buy International Travel Insurance online, it not only helps cover the expenses but also provide assistance that makes such services available to you on foreign land. It is also pertinent to consider the limit your cover provides for such expenses.
5. Accidental death or disability
Unfortunate events such as death and disability are hard to cope, especially in a foreign land. There are innumerous formalities associated with such incidents and travel insurance helps with the expenses while also providing assistance. Some overseas travel insurance plans also provide additional coverage that also includes the process to ship the remains of the deceased home.
6. Trip interruption
Just as a good overseas travel insurance plan covers unforeseen expenses due to cancellation, if stipulated in the terms, the plan also takes care of cash advances in case of interruptions. For instance, if there is an interruption in your travel or maybe a missed flight, travel insurance reimburses the expenses incurred. One element to watch out is the list of exclusions and terms of cancellations.
7. Round the clock assistance in case of emergencies.
Being on a foreign land is already intimidating, especially when you are not familiar with the local language. Even though it might sound like a frivolous advantage of buying an overseas travel insurance plan, having a 24X7 number for round the clock assistance can come in handy in case of emergencies. In adverse situations, having access to the travel insurance helpline can save the day.
Each country has a specific set of requirements in terms of insurance cover; also certain aspects of cover apply to only some grounds of the claim. For instance, few countries make it mandatory to have travel insurance as part of the visa formalities. The benefits offered by the insurance may outweigh any doubts regarding it, provided you keep the premium amount in check and cover all the bases according to the travel plans.
While many points about overseas travel insurance may seem insignificant, these points sometime make all the difference in case of emergencies. Hence it is pivotal to read and understand the terms of the plan. Even if the travel plans are as uncomplicated as relaxing at the beach or exploring the local markets, or adventurous as skiing, having travel insurance helps lessen the worry while traveling. Consider your overseas travel insurance plan as a security net to safeguard your vacation so that you can have a great time without hurting the pocket.
For more updates and News follow Policybazaar Youtube Channel
No comments:
Post a Comment