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Posted by Royal Sundaram on 25 May 2016
Whether you are traveling for pleasure or work, international trips are always exciting. Millions of people travel in and out of the country on a daily basis, but this doesn’t mean that international travel is free of risks. Most of these risks are thankfully minor, and stem from poor planning. This is why it is so important that you leave nothing to chance and cover all your bases before setting out.
Travel insurance is something that should be at the top of your checklist. Travelers can choose from several options, but the wide range of options may leave some overwhelmed. Make it a point to go through the main features of each plan, and even more importantly, read the fine print.Some plans may seem impressive at first, but they don’t really hold up against close scrutiny.
Let us discuss some important must-haves in any travel insurance plan.
- Higher coverage
Choose a travel insurance plan that provides maximum coverage at a reasonable cost. This is important because in the event that you fall sick or are injured overseas, your policy coverage will pay for the hospital bills and other related expenses.
- Trip interruptions
Inconveniences, such as loss of baggage, delays in procuring checked-in luggage, and loss of travel documents should be covered under the policy. In addition, it is advisable to choose a plan that provides hijack distress allowance.
- Delays, cancellations, and unexpected hotel stays
There are several unforeseen circumstances like bad weather conditions, technical breakdowns, or ticketing errors that can result in a delay or cancellation of your trip. Flight delays, illness, or flight cancellation can require travelers to alter their plans and may necessitate unexpected hotel stays. Expenses incurred in any of these circumstances should be covered under your travel plan.
- Permanent total disability or death
If a traveler is gravely injured during the trip or passes away, the insurance plan should cover the repatriation expenses of the deceased’s remains. In addition, the policy should provide a predetermined amount as compensation to the holder in case of permanent total disability, or to the beneficiary, in the case of demise.
- Regions covered
Some insurance companies and certain plans only offer coverage on travel to certain parts of the world. If you are a globe-trotter and plan to do a lot of exploring it would be best to purchase policies that cover maximum countries around the world.
Royal Sundaram’s Overseas Travel Insurance Plan offers cover against various possible risks while traveling. Some of the conditions or scenarios covered include baggage delays, flight delays, baggage loss, loss of travel documents, and medical expenses.
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