5 Essential Covers to Check in Your Travel Insurance Plan

• Written by Nidhi Goyal

  Reviewed by Rashmi Rai

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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 stressful situations such as physical injury, trip interruptions, and theft at any time. Therefore, getting travel insurance online is the simplest solution to cover the major travel risks and ensure a stress-free journey abroad.

If you're considering a travel insurance coverage checklist, this blog has you covered. It serves as a comprehensive guide to the key components and features of travel insurance.

When purchasing travel health insurance, ensure your policy offers vital features that will 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

People are travelling like never before. Whether for education, business, or vacation, travel has become an essential part of our lives. This has also led to a rise in travel-related risks like passport loss, trip interruption, and trip cancellation. You might get hospitalised due to a sudden illness. So, to avoid confusion during an emergency, buying the right travel insurance policy is crucial. When planning to purchase travel insurance, you need to consider 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

Coverage for medical emergencies is one of the most essential travel insurance benefits that you must look for when purchasing travel insurance coverage.

A sudden illness can spoil your vacation and leave you struggling financially. Moreover, medical treatment can be costly in some countries and can upset your budget if you do not have the support of travel insurance. Emergency medical coverage in travel insurance should cover your expenses in case of emergency hospitalisation due to illness or injury, and the treatment of pre-existing health conditions if they become life-threatening.

Other medical benefits that your travel insurance plan must offer include: medical evacuation coverage, upgradation to business class, Compassionate visit, etc.

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 financial hassles faced due to lost or delayed checked-in baggage.

Another must-have feature in your travel insurance cover is coverage for the loss of a passport and an international driving license. In such events, you are required to report the issue to the authorities or the nearest police station, as well as your insurer, to claim under passport loss travel insurance.

Travel Destination Risks

Heading to a disaster-prone destination? Strong support and the right international travel insurance could be your ultimate lifesavers. Choosing an international travel insurance plan with coverage against unforeseen calamities can be a step in the right direction.

Trip Delays, Interruptions or Cancellations

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

In such cases, if you have trip cancellation insurance, your insurer will reimburse you for the costs you incur for trip delays, interruptions, or cancellations.

Personal Liability

Personal liability travel insurance 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.

Before buying an insurance plan for your international travel, check the policy details for personal liability coverage. 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.

Make the Most of Your Policy: Choose Wisely

Travel insurance provides a financial backup when things go wrong. It’s important to be prepared for the worst situation. In a new country, where you might have nobody to help you, travel insurance offers crucial support during tough times. Care Health Insurance provides the best travel plans that offer value for money. Go through our Explore-International travel insurance plan to secure and insure your upcoming trip and fly without worries.

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