Why Should You Opt for a Travel Insurance Policy When Travelling Abroad?
Travel insurance is a comprehensive insurance policy that covers medical and financial emergencies that may arise while traveling abroad. These insurance plans cover lost or delayed check-in baggage coverage, loss of important documents such as passport, personal risk, personal liability and personal accident coverage, risk in case of kidnapping, financial emergency assistance. Travel insurance also provides health coverage for medical expenses, dental care, hospitalization and daily hospital allowance. Despite all these benefits, many travelers think of travel insurance as an avoidable expense. However, it is in truth the furthest thing away. Here are a few reasons why you need to have a travel insurance policy when traveling abroad:
- You could get ill or injured
The chances of getting sick are very high when traveling with late night flights, changing time zones, air conditioning, temperature changes and different dishes. There is also the possibility of injury. And you need to be vaccinated in advance for specific diseases of the country you are visiting, but you cannot rule out the possibility of becoming seriously ill during your travels. Most people in their golden years are prone to ailments while travelling, so opting for travel insurance for senior citizens is a good option. *
- You might need to cancel or change your trip before departure
This can happen when you or some family member of yours is sick or there is a natural disaster and you have no choice but to cancel the trip or change your plans. Canceling prepaid travel plans is often costly. When you buy travel insurance online or offline, you are comforted by knowing that in any emergency, you do not have to think twice about financial matters before canceling or changing your plan. Travel insurance can help you ease the financial burden during such a time. *
- Your travel plans are ruined
When traveling, especially in other countries, people have advance plans. These plans are often like a deck of cards, interdependent and a slight departure from the plan can disrupt the entire trip. This change may be due to a canceled flight or something else. When you think about what is travel insurance, it is exactly the type of crisis that it is meant for. Since travel insurance is on hand, you do not have to bear the financial burden of revised travel plans. *
- Your luggage is delayed or missing
Loss of goods has become commonplace these days. While it is likely to be true in your specific case, you are advised to be prepared for the worst. Travel insurance usually provides coverage for late baggage. They will help you get your lost baggage back and cover any amount you need to spend on essential items such as shoes, toothpaste, etc. so you can enjoy your trip. Even if your luggage is lost, the insurance will provide a reimbursement for the item you lost. *
- You lose your passport
Losing your passport and other important documents while traveling abroad is a nightmare. But with travel insurance covering it, the insurance company can help you get a new passport and other required documents and covers the cost of making the new documents. *
* Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.