Why travel Insurance is Important and Reasons to Buy Travel Insurance?

Many of us don’t know about “what is travel insurance ?”. But travel insurance is very important to all of us. Why it is important?. Travel insurance offers insurance protection while we are travelling. Travel insurance protects us against travel related accidents, unexpected medical expenditures while you travel and many types of loses like loss of passport, loss of baggage etc and delay in flights or delay in arrival of baggage etc.

But one of the big question arises here, which policy is best for your travel insurance. Or is your travel insurance policy covers all things which you want. Travel insurance offers cover only during a specific period of travel. We should always check that “how much time our policy covers or it will expandable or not”

Reasons to Buy Travel Insurance :

·      Coverage of Medical Expenses: It takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.

·     Checked Baggage Loss: Compensation for the loss of checked in baggage.

·      Baggage delay: Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.

·     Loss of Passport: Compensation for expenses incurred in obtaining a duplicate or new passport.

·    Personal Liability: Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

·   Hijacking: In an unfortunate event of your common carrier in which you are traveling; being hijacked, it will pay a distress allowance to you.

·     In-hospital Indemnity: Travel Guard pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.

·     Trip Delay: Reimbursement of additional expenses occurred due to trip delay.

·    Automatic-extension of the policy: It allows you to extend your policy upto a period of 7 days from the policy expiry date.

·        Personal Accident: It gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.

·     Sickness Dental Relief: The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies.

Other Reasons also to buy travel insurance are as  follows :

•            To obtain a visa for some countries, overseas travel insurance is compulsory. Even when       it is not, it is prudent to obtain a travel insurance policy when you are travelling on                 business or holidays or for education, research etc. as medical treatment, cost in many           countries are much higher than what they are in india and as affordable.
•       Your flight has been cancelled.
•         You need to cancel your trip due to illness.
•       Your cruise line, airline or tour operator goes bankrupt. You need your non-refundable            expenses covered and to get to your destination.
•       You have a medical emergency in a foreign country.
•       A terrorist incident occurs in the city where you’re planning to visit and you want to                cancel your trip.
•         A hurricane forces you to evacuate your resort, hotel or cruise.
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