Travel Insurance offers not only financial protection but also emergency medical protection if you experience specific difficulties while traveling internationally. It covers a lot of variety of scenarios for you.
Here are the few reasons you need Travel Insurance on your international travel.
- Injury or sickness
Travel insurance can help protect you from medical expenses abroad that your normal health insurance doesn’t cover. Travel insurance works in addition to your everyday health insurance and can help supplement medical costs if you get sick or injured during your vacation. But it only covers emergency medical expenses. No pre-existing disesase’s are covered.
- Lost of personal and important things
Travel Insurance covers risks during travel such as loss of passport and personal belonging cover. Having these risks covered ensures an additional layer of protection against financial loss.
- Missed connection flight or cancellation of flight
In case your flight is cancelled or missed for any reason (as per coverage terms & conditions), having Travel Insurance will give you compensation up to a particular limit.
- Covers trip disruptions:
Trip disruptions mean any disruptions that may cause you to cancel your trip or curtail your trip due to any reason. Travel Insurance also provides coverage for bookings that are cancelled, entire trip cancellations either by you or by the tour company among others (As per the policy Terms and Conditions against each cover).
- Delay in getting baggage’s
Travel Insurance provides for baggage delay as well as baggage loss. Sometimes, it may take more then 10 to 12 hours for you to get your travel bags.
What Travel Insurance might not cover
Certain things may not be covered under travel insurance.
If you have a pre-existing condition or circumstances, dental treatment, loss or damage due to mental disorder / suicide attempt, travel for medical treatment, complications due to pregnancy and child birth, natural adversities before the policy purchased, advanture sports and activities, bad weather conditions, if you are visiting an area with political unrest, if you do not provide necessary documents or invoices to the insurer and if your claim is beyond the policy inclusions.
If you are still wondering why get Travel Insurance, then consider the risks that a Travel Insurance policy covers. The exhaustive coverage protects you against different types of risks and keeps you covered during your travels.