Travel Insurance

Why is Travel Insurance Important?

Travelling allows you to explore new cultures, people, and places and discover the world’s beauty first-hand. On the other hand, travel insurance prepares you for unforeseen expenses during the trip. However, one common question users ask when buying travel insurance is- “Is travel insurance really worth it?”. Let’s face it.

Travelling is inevitable, and so are the unplanned expenses it brings along. For instance, a sudden illness leading to hospitalisation may result in unwanted expenditures that can hamper your travel budget. Moreover, treatment in a foreign country can cost you a fortune if you don’t have a travel insurance policy. Besides this, trip delays due to bad weather or lost luggage are typical cases when you can face unexpected expenditures. Thus, to safeguard your trip from such unforeseen incidents while you embark on an overseas journey, travel insurance is very important.

What is Covered Under Care Travel Insurance?

While you buy travel insurance online from Care Health Insurance, we provide comprehensive coverage as mentioned below:

• Emergency Hospitalisation Cover: In case of any unforeseen situation that requires hospitalisation, our travel insurance policy provides complete coverage encompassing IPD and OPD facilities.
• COVID-19 Cover: Our travel insurance covers the standardised cost for treatment of health risks due to Covid-19 infection considering the pandemic still possesses new health risks.
• Accidental Hospitalisation: Our travel medical insurance claims up to 100% sum insured in case of accidental hospitalisation. We also cover the insured member in case of Accidental Death/Permanent Total Disability.
• Pre-existing Disease Cover: We ensure that you remain covered in case of an emergency caused due to pre-existing ailments. Thus, we provide appropriate coverage for pre-existing illnesses.
• Treatment in Home Country: If you require further treatment in your home country, the expenses for the same will be covered up to 30 days or up to the policy end date, whichever is earlier.
• Common Carrier Accidental Death: God Forbid! If the insured member loses his/her life while travelling in a common carrier/public transport, the travel insurance purchased from Care will pay a lump sum amount as compensation.
• Repatriation of Mortal Remains: The policy will cover the expenses, up to a defined amount, related to the transportation of mortal remains in case of death of the insured.
• Trip Delay, Cancellation, or Interruption: If the trip you booked got cancelled, it could be disappointing and lead to a financial loss. But don’t worry! We cover travel-related contingencies such as Trip delays cancellations, or interruptions under the trip cancellation insurance in travel insurance.
• Loss of Travel Documents: If you lose your travel documents, like a passport or international driving license, you first must inform the authorities. Since there, leave everything to us! We will take care of the expenses incurred for availing or retrieving your lost items.
• Loss of Checked-in Baggage: Losing luggage can ruin any trip. However, when such risks are involved, having a baggage insurance becomes crucial. It will cover the losses by reimbursing the incurred costs.
• Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage of a specified amount under our travel insurance policy.
• Adventure Sports Cover: It is an optional benefit to be availed on extra premium if someone wishes to opt for adventure sports while travelling. The policy covers expenses of an insured participating in hazardous activities, subject to policy terms and conditions.
• Missed Flight Connection: Missing a flight can incur additional travel and accommodation expenses. There is no need to worry about the financial burden as such expenses will be reimbursed in the online travel insurance policy.
• Hijack Distress Allowance: We all wish for a safe trip. However, unforeseen events like a hijack can occur anytime, ruining the excitement. With a travel policy, one can cover such risks as well.
• Automatic Trip Extension: If your trip is extended due to unavoidable circumstances, you need not bother about the unexpected expenses as the period of insurance will be extended up to a specified number of days.
• Personal Liability: The policy will safeguard the insured if any personal liability arises due to an accidental injury or property damage to a third party.

For details on travel insurance coverage, please read policy documents thoroughly.

What is Not Covered under a Care Travel Insurance Plan?

Although a travel policy covers several medical and non-medical expenses, many risks may not get covered. Checking the exclusions under travel insurance coverage is beneficial to avoid any last-minute complications. Some must-know exclusions in a Care travel insurance is as mentioned below:

• Expenses for treatment of HIV/AIDS/ other transmitted diseases.
• Expenses arising out of hazardous activity, the influence of drugs or alcohol, or consequences of war/nuclear perils.
• Expenses due to the treatment of self-inflicted injury or suicide.
• Any liability related to any professional services offered by the insured.
• Personal liability of the insured towards another individual (personal, official, or commercial).
• Expenses arising from an insured person engaging in Breach of Law.

Note: The above-mentioned are just a few excluded points from Care Travel Insurance. For more details on plan’s exclusion, please read out policy documents in detail.

What are the Benefits of Buying Travel Insurance Policy

No matter where you are flying off to, having a travel insurance plan can help you travel stress-free. A travel insurance cover from Care Health Insurance is designed specifically to protect you when you encounter a travel-related problem such as emergency hospitalisation, theft, or trip interruptions. Summarising below are the benefits of opting for the best travel insurance online:

• Protection in Medical Emergency: Suppose during your trip you are stuck in a medical emergency that requires immediate medical attention. In a foreign land where the medical costs are too expensive, travel insurance from Care can be to your immediate rescue.
• Compensation in case of Mishaps: A sudden demise of a family member is devastating. However, if the traveller is insured with travel insurance by Care Health Insurance, the plan offers compensation to the nominee in case of the insured person's uncertain death.
• Coverage for Non-medical Contingencies: If you have secured yourself with travel insurance from Care Health Insurance, any trip-related contingencies such as Trip delays and loss of belongings and other documents, will be taken care of under our trip insurance plan.
• Convenience: Buying travel insurance can save you from last-minute hassles amidst a financial derailment. Not just later, buying travel insurance in itself is a quick and convenient process. Within just a few clicks and taps, you can get your travel insurance online in your mailbox.
• Multi-Trip Policy: If you are a frequent flyer, our Multi-trip travel insurance can be your travel buddy by providing you high-end benefits at an economical price.
• Cashless Claim Settlement: Our travel insurance plans come with a faciltiy of cashless claim settlement across hospitals worldwide.
• Region-specific Plans: We provide region-specific plans such as Travel Insurance for Canada, Travel Insurance for Thailand, etc. to ensure that you get the most-precise coverage benefit at a pocket-friendly budget.