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Travelling abroad can be a rejuvenating experience, whether you take a family trip, a honeymoon extravaganza, or a friend's adventurous expedition.
However, good luck doesn’t always match your planning, and just when you think your trip is going “as planned,” you may encounter the unforeseen. Here, trip insurance comes into play as a supportive component.
From covering a medical emergency to having your back during baggage loss, a single-trip travel insurance policy by Care Health Insurance stays by your side throughout your international trip. So, let’s understand single-trip travel insurance and how it ensures a hassle-free overseas trip.
What is Single Trip Travel Insurance?
Single-trip insurance is a travel insurance policy that covers you for a single trip, from takeoff to return to your home country. The plan offers coverage for trip interruption, theft, medical emergencies and other mishaps that may come along the way!
Typically, the coverage in single-trip travel insurance starts from the time you leave your home country, covers your entire trip, whether you travel to one country or multiple countries, and then ends once you return to your home country. Let’s have a look at the essential coverages in a Single-Trip Travel insurance plan.
List of 22 Essential Coverages in Single Trip Insurance
Single trip travel insurance is a plan that offers several benefits under set terms & conditions. Here’s a list of coverage that the travel plan offers.
1. Trip Delays: Trip delays can be frustrating and may force us to cut short some plans or places from our itinerary. This situation can arise due to various reasons, such as unfavourable weather and natural disasters. With an ideal single trip insurance cover, for each set of 4 hours of delay, you are entitled to get a certain cover as per the T&C.
2. Trip Cancellation: If your trip gets cancelled due to unforeseen circumstances or a medical emergency, you are subject to getting covered under the single-trip travel insurance plan. Trip cancellations due to common carrier accidents and unexpected natural calamities are also covered under specified conditions.
3. Checked-in Baggage delay or loss: Unfortunately, if your checked-in Baggage gets lost or delayed, you can also claim reimbursement up to a fixed amount in the single-trip insurance policy. You can use this benefit to arrange for toiletries while in a foreign country.
4. Return of Minor Child: Travel protection insurance plays a crucial role, especially when travelling with a minor child. In case of hospitalisation (for more than 5 days) or death of the insured, a one-trip travel insurance plan arranges for the return of the minor child to the home country through the most direct economy class flight ticket.
5. Missed Flight Connection: Did you miss your connecting flight due to unavoidable circumstances? If you have bought an overseas travel insurance policy, you will be entitled to reimbursement for additional expenses related to travel and accommodation.
6. Family Discount Feature: This feature allows you to enjoy up to a 20% discount on the premium of additional family members covered under the same sum insured by the same policy on an individual basis.
7. Automatic Trip Extension: A single-trip insurance plan also includes the feature of automatic trip extension for up to 7 consecutive days if you need to extend your trip due to a medical reason.
For example, Anita went on a 14-day holiday to Australia. On the second last day, she had an accident, and the doctor advised hospitalisation for 4 days. Hence, she was forced to extend her stay for 4 more days. If she has bought single-trip travel insurance, then she is entitled to medical coverage for an extended period of up to 7 consecutive days.
8. Adventure Sport Coverage: Single-trip insurance also provides optional coverage for mishaps during adventure sports or activities. Provided that it should have been performed under the supervision of a trained professional. In case of any injury or death, you are entitled to make a claim up to the sum insured by travel insurance for adventure sports.
9. Personal Liabilities: Due to an unintentional accident from your end, if the third party has suffered loss, injury or damage, the policy offers compensation to the third party. Even if you are sued for any accident, then legal expenses will also be covered by the travel policy, provided there shouldn’t be any unlawful activity involved.
10. Dental Expenses: If you suffer a dental-related injury during the trip, expenses are also covered under the overseas travel cover.
11. Upgradation to Business Class: If the insured needs to upgrade to business class due to a medical emergency under a doctor’s written advice, the difference amount will be covered as per the policy's T&C.
12. Medical Emergency Cover: During your foreign trip, if you meet with any medical emergency, you are entitled to get coverage for hospitalisation expenses, IPD and OPD care by our overseas travel insurance.
13. Emergency Medical Evacuation: Under this benefit, you can contact our TPA and seek assistance in shifting the insured member to the nearest medical facility.
14. 2-Way Compassionate Visit: If a medical emergency occurs and you get hospitalised and need an immediate family member to look after you, the 2-way flight expenses for the most direct economy flight will be covered under insurance for a single trip.
15. Daily Allowance for Hospitalisation: If you are hospitalised for up to five days during the trip, you will be reimbursed for a specified daily allowance on a per-claim basis. However, a two-day deduction will be applicable as per the policy's T&C.
16. Accidental Death and Dismemberment: The Single trip insurance policy also offers compensation in case of the accidental death or dismemberment of specific body parts of the insured person.
17. Permanent Total Disability: If the insured person is involved in an accident that causes permanent total disability, he/ she is entitled to receive compensation for the same.
18. Common Carrier Accidental Death: If an accidental death occurs while travelling via a common carrier, the company pays the lump sum amount under the international travel policy.
19. PED Cover: The single-trip travel policy also covers pre-existing diseases during your travel if any life-threatening situation arises.
20. Loss of Documents: Losing essential documents like international driving licenses and passports can be a serious problem. During this situation, the policy offers coverage for getting duplicate copies of the document on an aggregate basis.
21. Hijack Distress Allowance: The Single-trip policy provides coverage for the rarest situations, like hijacking, where the compensation will be provided as per the T&C.
22. Repatriation of Mortal Remains: If an unfortunate death occurs, the single-trip policy also covers the expenses of repatriating the mortal remains of the insured individuals.
Permanent Exclusions- No Coverage For The Following Situations
Permanent exclusions refer to a term which will be excluded and won’t be considered for any claim benefits under the policy. These are as follows:
- False arrest, defamation, wrongful eviction or detention.
- Charges occurred due to any unlawful activities.
- Self-inflicted injury or suicide
- Cosmetic surgery or reconstructive plastic surgery
- Reimbursement for an uninformed pre-existing ailment, or planned illness, or surgery
- Medical bills for robotic surgical systems.
- Treatment expenses due to hazardous activities, alcohol/drugs.
Final Thoughts
Trip interruptions due to unforeseen circumstances can ruin your trip budget and sometimes even cause you to cut your trip short. Single-trip travel insurance, on the other hand, can be a lifesaver during these trip hiccups.
Additionally, having travel insurance coverage with a seamless claims procedure will ensure you are not stranded alone during an emergency abroad.
Disclaimer - All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
