You must be excited while heading to the exotic locale, magnificent landscapes, snowy mountains, mouth-watering cuisine, for your upcoming holidays. But, it’s important to note that none of the foreign outing is free from risks or accidents. You are more vulnerable to sickness or any miss happening when you are travelling to the foreign land. So, why to dampen the excitement? When you can get yourself and your travel companions protected with overseas travel insurance. It saves your travel investment against any untoward event. However, it just not gives you financial protection. Read here why international travel insurance is a lot more than you think.
Overseas travel insurance provides comprehensive medical coverage. If you fall sick or get injured, your insurance company will bear your hospitalization expenses. It eases your trouble and saves you from heavy medical bills that can overburden your pocket. Let’s see what it covers:
• Cashless Hospitalization
• In-Patient and Out-Patient Treatment
• Medical Evacuation
• Air Ambulance
• Dental Treatment
• Daily Allowance for Hospitalization
• Personal Accident
So, you do not need to worry about cash. You should inform your insurance company immediately and submit your diagnosis and bills. All your bills and expenses will be reimbursed up to the sum insured by your travel insurer.
While you are excited for your international trip, unexpected contingencies might cause cancellation. In this situation, without overseas travel insurance, you lose thousands of rupees that you have already spent on flights and bookings. Thus, under travel insurance cover, you can avail the reimbursement for the following:
• Flight Delay or Cancellation
• Loss of Passport
• Trip Cancellation or Interruption
Trip cancellations and interruption may happen anytime due to natural calamities or terrorist attack that can clear away your plans. Thus, the international travel insurance policy pays back your travel expenses up to the maximum extent.
You can never trust on airline services blindly. There are high chances that your airline may inform you that your baggage is lost while you are waiting for it at the airport. With a sound international travel insurance policy, you get baggage benefits as well that include the compensation for:
• Loss of Checked-in Baggage
• Delay in Checked-in Baggage
• Breakage or Theft
So, explore the world freely with travel insurance. You also not need to worry about the expenses you have to bear due to delay in your checked-in baggage. Your insurer provides you reimbursement for all the expenses that you may incur due to delay in checked-in baggage and breakage or theft.
Other than the above benefits that you can get under international travel insurance policy. There are some other covers as well that you should avail to ensure overall protection. The additional benefits include:
• Cover Accidental Death
• Personal Liability
• 2 Way Compassionate Visit
• Up-gradation to Business Class
• Lifelong Renewability
• 24X7 Customer Support
Therefore, you should analyse your needs and buy the add-on covers that are worth to secure you from any unforeseen mishaps. It’s also advisable to check the list of exclusions as well to ensure that you get the maximum coverage with minimal exclusions.
Thus, international travel insurance does not only ensure full coverage against unforeseen losses but also cover your simple problems. Ideally, you should always go for reputed insurance companies like Religare Travel Insurance that cover every moment of your journey right from the time you board the flight until you get back home safely. They offer you customized add-on covers that you can pick according to your needs of travelling at affordable premium. Their efficient team of expert advisors are ready to assist you in odd hours as well especially when you are away from your home country.