5 Essential Covers to Check in Your Travel Insurance Plan

Planning a trip to an international destination, whether for business or a yearly vacation, is a thrilling experience. Exploring new cities, shopping, and creating travel memories – we often only look at the bright side without considering the possible travel risks.

While on an international journey, you may encounter hassling situations such as physical injury, trip interruptions, theft, etc., when you least expect it. Therefore, getting travel insurance online is the simplest solution to cover the major travel risks and be stress-free on your journey abroad.

While purchasing health insurance, you must check if your policy offers vital features that would allow you to enjoy a comfortable international trip.

This article will guide you on five essential aspects of a trip cover.

5 Travel Insurance Essentials That You Should Look For

When you are planning to buy travel insurance, it’s essential for you to think about what should be covered in a travel insurance plan. Here are five key aspects of coverage that you must look at when buying the trip cover.

Coverage for Medical Emergency

Medical emergency is the foremost answer to the question- “what should be covered in travel insurance?” A sudden illness can not only spoil your vacation time but also leave you helpless regarding finances. Moreover, medical treatment can be costly in some countries and can upset your budget if you do not have the support of travel insurance. A good travel policy should cover your expenses in case of emergency hospitalisation due to illness or injuries and the treatment of pre-existing health conditions if they become life-threatening.

In the case of international travel insurance, some features that can be advantageous for a tourist facing a medical exigency include cover for medical evacuation, in-patient hospitalisation and treatment in one’s home country.

Loss of Passport and Personal Belongings

Your baggage may be mishandled at the airport, leaving you anxious and stranded. It is always recommended to put identification tags to help track misplaced baggage. With a travel insurance plan, you can be assured that your insurer will cover the costs you incur in such situations. Typically, travel plans cover delays or loss of checked-in baggage.

Another must-have feature in your travel cover is coverage for the loss of vital passport documents. In case of events like these, you are required to report the issue to the authorities or the nearest police station, as well as your insurer.

Travel Destination Risks

The destination you are heading to may be prone to natural disasters like earthquakes, cyclones or hurricanes. Damages caused by such incidents can ruin the entire purpose of your international trip. Buying an international travel insurance plan that offers adequate coverage for your destination-related risks is an effort made in the right direction. Hence, you must ensure that the travel insurance plan for the trip covers emergency situations.

Trip Delays, Interruptions or Cancellation

Flight delays, interruptions, or cancellations can occur due to adverse weather conditions or other unforeseen reasons in the country you are traveling to. If that happens, you are likely to incur additional costs for accommodation, food, etc.

In such cases, your insurer will reimburse you for your incurred costs under a travel policy that covers trip delays, interruptions, or cancellation.

Personal Liability

Personal liability cover is one of the beneficial features of travel insurance policies. You must not overlook the likelihood of sudden incidents that can make you accountable for covering damages to a third-party – that could be an individual or his/her property.

Before buying an insurance plan for your international travel, make sure to check the policy details for personal liability cover. However, there may be exclusions that you must always check. Find comfort in buying travel insurance online and get benefits that suit your specific travel objectives through Care Health Insurance.

Disclaimer: Plan features, benefits, coverage, and underwriting of claims may vary. Please refer to the brochure, sales prospectus, terms and conditions carefully.