While
planning a trip, domestic or overseas an essential step is to buy best overseas
travel insurance plan to make sure that you are covered for any unforeseen
expenses on your trip. Although some travelers understand the need and
importance of travel insurance, a majority of the population believes it to be
an unnecessary purchase. This is generally due to the various myths associated
with travel insurance, which are often perpetuated due to incomplete and
incorrect information we may receive from various sources such as inaccurate
travel blogs, acquaintances or even you travel advisor.
Here we
bring you 6 travel insurance myths that need to be busted so that you can buy
best overseas travel insurance without any reservations.
1. I
don’t need Travel insurance as I already have health insurance
This is by
far the most common myth regarding travel insurance. Many people believe that
travel insurance is health insurance you purchase while traveling abroad. This
is not entirely accurate, while you might have an extensive health insurance
plan, it is not a given that it will cover any medical expenses you might incur
when traveling. Also, it is essential to note that overseas travel insurance
provides for more than just medical care. It can also come to the rescue if you
lose your luggage, passport or you are not able to board your flight due to
overbooking.
Hence, it
is advised to buy best overseas travel insurance plan for you and your family
before going on a trip, domestic or international, even though you might
already be covered under a health insurance plan.
2. All
overseas travel insurance plans are same and it makes no difference, which
plans you purchase
False.
This is another myth that prevents travelers from understanding and investing
in a sound travel insurance plan. Just like a life insurance plan or health
insurance plan, travel insurance plan is not one size that fits all. It can be
customized and selected based on your respective set of needs. It is also
important to note that insurance providers have a different set of inclusions
and exclusions. Certain policies consider and cover expenses that might arise
due to a pre-existing medical condition while some plans specifically exclude
such expenses. Such aspects differentiate each policy and make it pertinent for
you to consider the terms and conditions for each policy in depth in order to
buy best overseas travel insurance plan.
3. You
must purchase the travel insurance from your travel agent
This is
yet another myth that is not only entirely inaccurate but also makes people believe
that travel insurance is yet another scam and they dodge purchasing any such
cover. As with any insurance product, you can buy best overseas travel
insurance plan either online or through your insurance agent. The key aspect to
keep in mind is that your travel insurance must cover the essential factors
such as loss of luggage, passport, delay or cancellation of flight, basic
medical care in case of a calamity etc. If all your required scenarios are
covered under the plan chosen by you, it does not matter where you purchase the
policy. Many people buy travel insurance from their travel agent as they can
guide the customer regarding the best policy for the specific country he/she
plans to travel but with the arrival of so many online portals, it has become
much easier to compare and buy best overseas insurance plan online.
You may like to read: Want to Claim Compensation for Lost, Delayed or Damaged Luggage? Here is How to Do it
4. It is
better to purchase travel insurance once you reach the destination country
There are
many people who believe that you should purchase travel insurance once you
reach the destination country as it ensures you get a better plan and save
money. While the former can be true in certain cases, “certain” being the
keyword, it is definitely much smarter choice to buy best overseas travel
insurance plan before you depart for your trip. In fact, it is advised to
purchase the travel insurance plan as close you make any payment towards your
trip. This would ensure that even your flight bookings are covered by the
insurance plan.
5.
Travel insurance is always costly and an expense you can avoid
Unlike
popular belief travel insurance is not always expensive. You can opt for the
more affordable plan, which covers your basic needs. While this is an expense
you can avoid, it is strongly suggested that you do invest in an overseas travel
insurance plan to safeguard you against any emergencies that might incur during
the course of your travel. Travel insurance can become an expensive affair if
you try to insure anything and everything under your plan. Make sure you check
the most critical factors to keep in mind when you buy best overseas travel
insurance plan.
6. I can
do anything once I purchase travel insurance
This is
another myth, which is entirely false. Most of the policy providers stipulate
certain terms and exclusions in a travel insurance plan. For instance, if the
insured was under the influence of alcohol or drugs at the time of the
incident, it can be a ground for rejection of the claim. Or, if the loss of
luggage was found to be because of the negligence of the customer such as
leaving the luggage unattended at the airport, the policy provider is not
liable to reimburse any claims, subject to the terms of policy. Hence, even if
you buy best overseas travel insurance, you are responsible for the actions and
their consequences to a certain level.
So the
next time you plan a vacation, think about the significance to buy best
overseas travel insurance plan before you dream about the sand between your
toes or the picturesque beauty you would be enjoying. Also, before going on a
business trip, if you buy best overseas travel insurance plan, you can rest
assured about any unfortunate incidents such as flight cancellation, loss of
luggage etc. and you can focus better on your work. Make sure that you research
and understand the travel insurance product before making the purchase and all
your needs would be covered by the plan.
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