Planning for Vacations in Abroad? Do not Ignore Travel Insurance
So, are the lands less known calling you? Great! You must be all excited planning your vacation abroad. You will have to plan so many things, from making flight bookings to accommodation, selecting tour packages and more. And perhaps the most important question is - should you buy travel insurance?
While travel insurance isn’t mandatory for overseas travel, having an insurance policy by your side is always a sensible thing to do. You will be traveling to a new place, and not securing yourself from emergencies like theft, sudden medical requirement, etc., can leave you drained both physically and financially.
Why buy travel insurance?
Travel insurance is designed to provide financial assistance for the exigencies associated with travel, both domestic and overseas. When traveling, there can be a wide range of emergency situations that you might be in, ranging from inconveniences like flight delays or missed connections to personal injuries and medical emergencies.
A comprehensive travel insurance policy covers travel exigencies including accidental injuries, medical expenses and repatriation, loss or delay of checked in baggage, loss of passport, cancellation of flight and others.
Why you should never ignore travel insurance
It is important to insure your travel, as obviously you would never want to find yourself helpless in an emergency. The importance of buying insurance becomes even more pronounced when you are traveling outside your country.
Here are the reasons why you should have travel insurance when traveling abroad: -
When traveling abroad, flights can be delayed or cancelled due to bad weather, emergencies and technical glitches. If a delay or cancellation occurs, you may be left with no choice but spend out of your pocket for accommodation, food, etc. But, you won’t have to pay out of pocket in case you have travel insurance. Besides this, if your trip gets cancelled due to an emergency, your insurer will cover your travel costs.
Lost Travel Documents and Checked-in Baggage
Think about what would happen if you lose your travel documents or checked-in luggage in a foreign land? Thankfully, you won’t have to worry if you have purchased travel cover which protects you against various such risks including loss of baggage and others.
Medical emergencies can occur anytime, without any prior intimation. You can easily handle a medical problem when you are at home. But, when you are out of country, where you hardly know anyone, a medical emergency can leave you traumatized. Overseas travel insurance covers emergency medical treatment, and some insurance policies even offer cashless hospitalization at their network hospitals abroad.
Whole Family Coverage
You can buy a single insurance for the entire family. Most travel insurance policies cover dependent children travelling with adults. You can choose between individual and family insurance policy, and single or multi-trip policies.
Unlike most insurance policies that require you to fill lengthy forms, buying travel insurance online is easy and quick. You can buy a plan when you are booking the tickets or even later as well. Also, travel insurance can be customized as per the need of the traveler such as business travelers, students, senior citizens, etc.
There is no doubt that securing your overseas travel with insurance is as essential as making your travel bookings. However, when you buy insurance, make sure to check the policy terms and conditions to ensure that it meets your travel requirements in the best manner.
**To understand exactly about the policy coverage, exclusions etc. read the Policy Wordings carefully.**