TRAVEL INSURANCE

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With the COVID-19 pandemic we have almost skipped a lot of travel in the past one year. However, once things gradually get back to normal there shall be an increase in travel, and one of the important things that travellers need to know about is Travel Insurance. This form of insurance helps cover a whole range of uncertainties and scenarios that can drain out a traveller’s finances. Most countries require mandatory Travel Insurance while applying for a visa. But choosing the right Travel Insurance which covers all the risks of travel is important.

Travel Insurance is a type of insurance that covers different risks while travelling. It covers medical expenses, lost luggage, flight cancellations, and other losses that a traveller can incur while travelling.

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Travel Insurance is usually taken from the day of travel till the time the traveller reaches back to India. Taking Travel Insurance ensures a comprehensive coverage in case of any emergency in another country.

Some of the risks covered under Travel Insurance are:

  • Personal Accident Cover, which covers:
    • Insured’s Death
    • Permanent Total Disability
  • Accident & sickness medical expense reimbursement
  • Dental treatment relief
  • Emergency evacuation
  • Repatriation of remains in case of death
  • Baggage delay
  • Loss of checked baggage
  • Loss of passport
  • Flight delay
  • Hijack
  • Home burglary
  • Trip curtailment
  • Trip cancellation
  • Missed connection/missed departure
  • Bounced hotel/airline booking

There may be more risks covered under individual policies depending on the requirements of the traveller. The amounts to which these risks are covered depends on the policy & plan that the traveller opts for. Travel Insurance also covers additional risks at an additional premium. Some of these risks are specific to the traveller or the place the person is travelling to.