Have You Insured Your Vacation With A Travel Insurance Plan? Know The Benefits

With the travel season in full force, getting flight tickets or hotel accommodations can become a task. As popular destinations are always packed to the brim, especially during the summer holiday season, you may experience a tough time selecting a destination. If you are lucky enough to finalise a trip to a destination such as Paris or Rome, do not let any unwanted mishaps put a damper on your travel plans. Let’s learn how to secure your trip with the help of travel insurance and how it can benefit you.

Travel Insurance: The Perfect Travel Companion

Many travellers tend to overlook the benefits of travel insurance. The benefits listed below can help you avoid making the same mistake:

1.    Health coverage*

One of the major concerns when travelling to a foreign destination is your health. It may be easy to fall sick due to the sudden change in the weather around you, the cuisine and water of the place you are visiting, or even due to any pre-existing health condition. Getting medical treatment in a foreign destination can be expensive. Instead of having to paying out of pocket for your medical treatment, let your travel insurance policy cover the costs. Be it doctor visit or hospitalisation, the expenses will get covered by your policy.^ ^Claims are subject to terms and conditions set forth under travel insurance policy.

2.     Baggage coverage*

Loss of baggage is one of the most common incidents that plagues travellers every year. Baggage can get misplaced either at the airport or due to mishandling of the airline staff or can even get stolen. It can be disheartening to lose your baggage, especially if there are valuables such as electronic items or jewellery. Your travel plan can cover your baggage, thus ensuring you are compensated for the loss of items.^ ^Claims are subject to terms and conditions set forth under travel insurance policy.

3.     Financial help for temporary documents*

Your passport is the most important document when you are travelling abroad. Without it, your presence in that country will be considered illegal. However, you might lose your passport during your trip, either due to haste or forgetfulness. Without a travel plan, your trip will be cut short. With it, though, you do not face any hassles. The plan ensures financial support for the provision of a temporary passport, in accordance with laws of the Indian embassy/consulate. This allows you to continue your trip.^ ^Claims are subject to terms and conditions set forth under travel insurance policy.

4.    Compensation for inconvenience*

When it comes to air travel, one of the major inconveniences is unfriendly weather. Rains or snow can play havoc and can cause planes to be grounded for an indefinite period. This can happen before or during your trip as well. Sudden cancellation of your flight can lead to a financial loss. However, with flight cancellation insurance, you are compensated for flight cancellation that might happen before your trip begins. This also includes cancellation of the flight due to technical issues in the plan.^ ^Claims are subject to terms and conditions set forth under travel insurance policy. Along with the benefits of travel insurance mentioned above, you get the following additional benefits:

1. The policy covers adventure sports that you might engage in during your trip. Check the list of sports which are covered by the policy.*
2. If emergency evacuation is required, either due to a medical or personal emergency or due to any calamity, the cost of flight is covered by the policy.*
3. If something unfortunate were to happen to you during the trip, your mortal remains would be repatriated to your home country, with the policy covering the cost of the flight.*
4. The policy provides coverage from home burglary which might take place while you are away on your trip.*

How To Choose The Right Policy?

Buying a travel plan before your trip begins can let you enjoy peace of mind. If you are confused on how to purchase a plan that suits your needs, you can follow these tips:

1. You can compare insurers online. Comparison helps you in selecting the right insurer on the basis of factors such as pricing, coverage, add-ons, and claim settlement ratio among others.
2. Research the destination and select the add-ons accordingly. Add-ons increase the price of the policy significantly; be prudent and do not include unnecessary add-ons.*
3. Going for online purchase can help you enjoy savings on the premium and can save you from paying commission or hidden fees, generally associated with offline purchase. 

Conclusion

With a travel plan, you get to have a memorable trip where you can truly relax and get the peace of mind. To enjoy the benefits mentioned above, do purchase the plan before your trip begins. Use the travel insurance premium calculator to check the cost of the policy before your purchase it. *Standard T&C apply Insurance is 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.