Travel Insurance is a boring
topic, but an important one. It is protection against anything bad that can
happen while travelling. It includes
everything from losing your luggage, to losing your life. It safeguards you from
hefty Medical Bills and unexpected emergencies.
Insurance is one of those things you never need, until you do. Some
people consider it as a formality, and usually don’t care about its contents.
Hence, they end up getting exploited or underinsured. So, it is important for
all travellers to know what all it covers and to what extent. In this Blog, we
will first discuss what all is covered, and then things to remember before
purchasing a Travel Insurance. We request you to carefully read these tips and
make the right choice.
Coverages included in Travel Insurance
1. Medical Insurance: It covers any
bills that you might have from going to a Hospital abroad. Different places have different prices for
Health Care, so check before leaving for your trip.
2. Emergency Evacuation: It covers
expenses of you being Airlifted or Evacuated from accident or mishap site. It
may include taking you to a local or specialized Hospital. Some policies also
include trip back to your Home in unavoidable circumstances.
3. Accidental Death: As the name suggests, it includes death of
policy holder during the trip.
4. Travel Protection: Travel
Protection will reimburse you the cost of your trip if for some reason , you
have to cancel at the last minute.
5. Baggage Protection: It covers anything that is lost or damaged in
the flight/train. Airlines today have coverage to a certain extent for lost or
damaged luggage.
Things to Remember with Travel Insurance
1. Cost and Coverage: Make sure
that you read all coverage carefully. While comparing policies, don’t choose
the one which is cheap, choose the one having all coverage you require. Some
people choose a cheap plan, and then later regret when their claim is not
passed. Hence, consider coverage over cost.
2. Exclusions: Read all exclusions
clearly. Please note travel insurance doesn’t cover things like adventure
sports, drunken driving or any dumb act leading to injury.
3. 24 Hour Assistance: Make sure
that the insurance company is providing 24 hour assistance at your destination.
Contingencies can arrive at any time.
4. Bills/Documents: Insurance
companies try their best to not pay you. Hence, it is important to keep all
medical bills, air/rail tickets, hotel vouchers,etc to present while filing
claim.
5. Multiple Trip Policies: If you
travel regularly, it is advisable to take a multi trip policy. A single
coverage for all your travels.
6. Avoid giving Fake Info: Giving
false information to insurance companies never work, and may lead to denial of
a genuine claim.
7. Baggage: Try and keep most of
your Luggage in Hand baggage. Check in bags are prone to damage. Also, try and
avoid multiple stopovers and connecting flights. They increase probability of
Bags getting lost.
8. Health: You cannot avoid
emergencies and accidents, but at least keep yourself healthy and safe to
decrease chances of such situations. Avoid Travel Sickness as much as you can.
The above tips and suggestions
will not only help in purchasing a good travel health insurance plan, but also
safeguard you from any unexpected emergencies. Also, ask for recommendations
from other travelers about good policies and companies.
Be safe and happy travelling…..
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