Ready For The Next Trip? Here’s Why Travel Insurance Is A Must
The anticipation of an upcoming trip is quite palpable, isn’t it? But have you thought about adding travel insurance along with your trip?
Any financial damages incurred due to lost or misplaced luggage, trip cancellation, delay, interruption, loss of passport, etc., are taken care of by a travel insurance policy. Additionally, the coverage will likely provide advantages like access to immediate assistance (such as body repatriation, emergency medical bills, etc.) while you are away from home.*
One can purchase travel insurance to cover domestic travel, even though this protection is generally for individuals who are travelling internationally. In these situations, the policy term covers the trip’s duration alone.* Purchasing travel insurance is not required, in contrast to auto insurance. Should you choose travel insurance, then?
Travel insurance provides medical coverage, especially if you need to return to India immediately for treatment after being hospitalised overseas. Such plans also cover any damages to rental cars and trip cancellations for whatever reason. However, this depends on the kind of policy you buy and the time you acquire it.*
Additionally, some policies pay for any additional costs brought on by travel delays. If your trip is delayed by a flight or for other reasons, the insurer may, in some situations, additionally extend the policy’s coverage for a set period.*
Insurers offer a variety of options based on the sum insured. The better it is for passengers, the higher the insurance amount. Before granting the policy, a few insurers could want medical testing, especially for seniors. The terms and conditions should always be read before finalising a travel insurance quote.
Insurers may only partially reimburse you for your travel expenses, whether for flights or cruises, even though policies offer a cancellation cover. The policy excludes claims from pre-existing conditions, medical costs from alcohol/drug misuse, and charges related to psychiatric illnesses. The bottom line is that while insurers provide a variety of travel insurance plans, it is ultimately up to you to weigh your alternatives carefully before deciding.
Travel insurance is an essential component that should not be overlooked when embarking on your next trip. It provides invaluable protection and peace of mind, ensuring you are prepared for unexpected events and emergencies while travelling. From medical emergencies to trip cancellations or delays, travel insurance safeguards your investment and well-being. Covering unforeseen expenses and offering assistance in challenging situations allows you to focus on enjoying your journey without unnecessary worries.* ^
A travel insurance premium calculator is a convenient tool you can utilise online to check the coverage needed based on your requirements.
When gearing up for your next adventure, remember that travel insurance is not just an option but a vital necessity. It serves as your safety net against unforeseen circumstances that can disrupt your travel plans, ensuring peace of mind and financial protection while you explore the world. From medical emergencies to trip cancellations and lost baggage, travel insurance has you covered.* So, before you embark on your next journey, make sure you’re well-prepared with the security and reassurance that travel insurance provides. Your travels will be all the more enjoyable knowing you have a reliable companion for any unexpected twists along the way. Safe travels!
^Claims are subject to terms and conditions set forth under travel insurance policy.
*Standard T&C Apply
s the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
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