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Posted by Royal Sundaram on 30 Oct 2013
Availing a travel insurance policy is not new concept for travellers today. But many are disappointed when their policy does not cover all the risks they could face abroad. This comes as a rude shock especially when you assume that your policy covers a specific risk. This is why you must always buy travel insurance plan after reading through all the perils it covers. Ideally a travel insurance plan should have the following features –
You are most vulnerable to medical emergencies when you travel abroad as you are exposed to different climatic conditions and cuisine. Handling a medical emergency, especially hospitalization, can be difficult in a foreign land. With a travel insurance plan that covers cost of medication and hospitalization such circumstances can be managed easily. If medical condition of insured person requires immediate transportation from the place of sickness / accident to the nearest hospital travel insurance shall cover such an expense as well.
Loss or delay of luggage –
Loss or delay of checked in luggage is the most common hazard that overseas travellers face. This incident can disrupt your well planned trip. If such an incident takes place post check-in at the airport travel insurance shall cover it. In case of loss of luggage, the policy will provide reimbursement for purchase of clothes and toiletries. The policy also provides reimbursement for a change of clothes in case of baggage delay.
Loss of Passport / Visa –
Each one of are expected to carry important documents like passport, VISA while travelling abroad and if those documents are lost one shall be left stranded looking for help. Travel insurance in such a scenario shall reimburse expense necessary to obtain emergency travel documents.
While you are away travelling, you may tend to worry about the safety of your home in India but with travel insurance policy you do not have to worry as this policy covers your home in case of untoward incident like fire accidents, house breaking etc.
Legal Liability cover –
During your stay abroad any unintentional act could result in third party damages and you could be held legally liable. A foreign travel insurance plan provides cover in such situation. The policy provides you with an attorney to handle the legal formalities and also reimburses the cost for the same.
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