International Travel Insurance Plans and Policies

They say – travel is the only thing you buy that makes you richer. However, the occurrences of misfortunate unexpected events while traveling can cost you a fortune. Here, a reliable travel insurance is the superhero that comes to your rescue during such emergencies. Here’s everything you need to know about international travel insurance.

It is a type of insurance that financially secures the insured person from a wide range of unpredicted emergencies that may arise while traveling to a foreign land. Thus, international travel insurance reduces the risk involved whether you are traveling for leisure or for work.

When you plan a trip to the stunning beaches in Hawaii or the snow-clad Swiss Alps, thinking of unfortunate incidents is the last thing on your mind. When you are in a different country, a sudden medical emergency can rip you of a thousand dollars easily. Not just health but non-medical losses like theft or losing your valuables can be stressful too. You are looking for peace of mind when you visit a travel destination, be it alone or with your family, and a travel insurance policy gives you just that.

Having travel insurance gives you relief from various emergencies when traveling abroad like:

Medical assistance

Imagine a sudden dental treatment you need to take to stop the pain. Or you are sailing on a cruise and your spouse needs immediate medical attention. Or your family may need emergency evacuation. Travel insurance covers your medical expenses and repatriation as well.

If you lose belongings

J.R.R. Tolkien once said – ‘Not all those who wander are lost’. But there is a possibility that your precious belongings can be lost/stolen when wandering in a serene location. Theft and mugging is common at most tourist places. Travel insurance ensures that you are compensated for losses like passport, important documents, precious items or delayed checked-in baggage.

If you have to change travel plans

Whether your boss didn’t approve of your leave, you or someone from your family is ill, there was an earthquake at the destination or the airline caused a problem, cancelling, rescheduling or curtailing your trip can cost a fortune. But fret not, if you have a travel insurance policy, you will be compensated for a valid claim.

If there’s theft at home

When you are busy enjoying a wonderful vacation, your house in India is unattended. It is exposed to the risk of theft and even fire. Some of the travel insurance policies cover you against such loss as well. You just need to file travel insurance claim online.

Although you are protected against most financial emergencies while traveling, there is a list of things not covered by travel insurance policies known as exclusions. Read the offer document carefully, whether you buy travel insurance online or offline, to be aware of these exclusions. For instance, cosmetic surgery, self-inflicted harm,being a part of warfare or illegal activities, adventure sports, non-allopathic treatments, incomplete proof for claims, and pre-existing medical conditions. Some of these exclusions can be included by purchasing add-on covers at an extra cost.

Travel insurance is a product you wish you don’t have to use. But better safe than sorry. Make the most of your international trip by traveling stress-free.