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emergency assistance in travel insurance
Mar 31, 2023

The Importance of Emergency Assistance in Travel Insurance

Travelling is usually a time of leisure and enjoyment. When you are travelling, all you would want to do is spend time with your loved ones and make precious memories with them. However, an emergency situation can come up unannounced and spoil not just the mood of the trip but often ruin a well-planned travel budget too. This is more likely to be the case when you are travelling abroad. One way to tackle such a situation if it ever comes up is with the help of an overseas travel insurance plan. With emergency assistance services offered by travel insurance providers, you may be able to secure your travel in various difficult situations. Let’s learn more about the same.

How can emergency assistance help you in different situations?

With the help of a travel insurance plan with emergency assistance features, you can avail help in the following situations: *

- Medical urgencies

One of the biggest risks that one faces when travelling abroad is medical issues. If some medical emergency was to come knocking when you are travelling blissfully, it can put the entire trip off. Not only would you have to dedicate time and energy to the medical event but also contribute from your precious travel budget. Furthermore, if the medical issue is severe, the trip might have to be cut short. The expenses for all these would only add to the emotional strain of such a situation. However, the emergency assistance services offered by your travel insurance provider can be of great help here. All you would have to do is reach out to them via a call or other prescribed ways and they would let you know the next steps to take. They may help you get access to good-quality treatment and take care of the expenses within the limits of medical insurance coverage for the travel plan *.

- Loss of passport

It would not be an overstatement to say that the passport is the most important document when one is travelling abroad. One can only imagine the panic and stress that would be caused if the passport were to be lost. In a foreign land, especially, where one may not know the customs or people, it may be difficult to understand the course of action to take in such a scenario. If you had an overseas travel insurance plan, you could connect with the emergency services provider, and you would receive prompt help. They could help you get access to a temporary passport, and get you started on the process to recover your lost passport as well. *

- Loss or delay of checked-in baggage

Imagine you have just alighted at your dream destination. You are ready to start ticking things off your bucket list and have the time of your life. However, soon you realise that your checked-in baggage has been delayed. You are willing to deal with a short delay. As time passes, you are informed that your baggage has been deemed lost. What would you do in such a situation? Would you accept defeat and let your plans go haywire? If you are one of the smart travellers who opt for an online travel insurance plan before the trip, you could continue your plans as before. The emergency services feature from the insurance plan allows you to claim reimbursement against the delay or loss of checked-in baggage. While this reimbursement may not bring back the valuable items from your lost baggage, it may help relieve the financial stress that may have occurred as a result of the loss. *

- Miscellaneous emergency situations

Your travel insurance plan may help you in multiple situations during your overseas travel where you may find yourself facing financial difficulty. Suppose you were examining an expensive souvenir at a shop and mistakenly drop it on the floor, leading to damages. Or, you lose your all-important credit card or have your wallet stolen while in transit. These situations can warrant stress and panic if you do not have an online travel insurance plan. If you are stuck in these situations, your emergency assistance provider can help you out to a great extent. In case of loss of credit card or wallet, you may even receive emergency cash to sort out expenses. *


Perhaps the most important help that an emergency assistance services provider may give you would be support. When a calamity strikes during a pleasant experience such as travel, its shocks can be even more disturbing than usual. If steady support is available in the form of travel insurance and helpful representatives, one can deal with these uncertain situations in a better manner. Thus, along with financial help, the importance and benefits of travel insurance emergency assistance also extend to mental support and better peace of mind.   * Standard T&C apply. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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