What is Travel Insurance?
We know that travel insurance will cover the risks during a trip, but what exactly is the meaning of travel insurance? Sure that getting the trip insured gives a sense of security, however, there is more to it. Travel insurance is the coverage for the risks that may occur while traveling. Many agencies can provide travel insurance in India, it is therefore essential that you opt for a trusted agency to get your travel insured.
Why secure your travel?
There are a lot of things that are not foreseeable at the time of traveling, be it domestic or international. Traveling with strangers, possibilities of mishaps in trains, flights, or even buses, or the climatic adversities and other such things can make one worry about the consequences.
Well, these are only a few reasons to list as to why one should secure their travel with the best travel insurance. Also, when you have your trip secured, you can travel without having to stress over the consequences of anything that cannot be foreseen while you are away from home.
Why Travel Insurance?
There are multiple travel insurance benefits to be listed. The plans for getting a trip insured will differ depending on certain factors.
For instance, the travel insurance plans for domestic tours will vary vastly from the international trips. Even the travel insurance policy will differ depending on the type of the trip and the destination.
However, there are a few things that are common for every type. There is a set of incidents and circumstances that travel insurance covers.
Probable Situations When you Need Travel Insurance
- Accidents or Ailments: The insurance covers all types of accidents that may happen during travel. If you have any kind of medical emergencies caused during the trip, the hospital costs are also covered under the insurance.
- Hijacking and Emergency Evacuation: If any kind of damage is caused to you, say a stroke, during a hijack, or any such life-threatening incident, the travel insurance covers the costs. Although, certain terms will be looked upon as per the travel insurance policy.
- Canceled and Delayed Flights: If your flight has been canceled or delayed, the flight cancellation insurance will cover the cost of another flight that is to be booked. The insurance will not cover the expense if you are late for the flight.
There are other situations as well that will be covered by the insurance. These often differ as per the travel insurance policy of the firm you are acquiring the insurance from. Also, it is actually convenient when you get the insurance online.
Key Features of Travel Insurance Policies
Salient features of the travel insurance policies can differ depending on the provider. There are a few features that are constituted in most of the policies and these can be understood as follows:
- Emergency Hospitalization & Medical Treatment: As discussed previously, there is almost always a possibility of an occurrence that can affect your health. Therefore, it is only better and safer to have the trip secured with travel insurance cover.
- Compensation for Flight Related Activities: There is going to be a possibility of something going wrong during a flight. Any kind of distress that is caused because of issues with the flight is also covered in the policy. For instance, if you have missed a connecting flight because of a delay in the previous one, these kinds of distress are covered by the insurance.
- Cashless Hospitalization Facilities: When you are acquiring medical treatment from an authorized hospital, which can provide the services with cashless hospitalization, the cost of such treatment will be covered with your insurance.
- Customized Policies for Senior Citizens: The requirements of the senior citizens will vary from those of laymen. Therefore, insurance companies generally provide senior citizens with a customized policy to suit their individual needs.
- Available for Frequent Flyers: Well, buying insurance separately for every trip can be quite a hassle. Some policies can be altered in a way that suits the requirements of frequent flyers. These come with yearly validity with multi-trip benefits.
Online Travel Insurance
The Digital India scheme of the government is spreading and taking a positive toll. This is one of the reasons why even the process to buy travel insurance online has become easier. It can even be bought from a visa agency while obtaining the visa. There are certain precautions that you need to take to know which company you are opting for.
For instance, check the reviews of the service provider. Try contacting them to get more knowledge about the policy thoroughly.
