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Why Should You Include Travel Insurance As An Essential
Nov 4, 2023

Why Travel Insurance Should Be an Essential Part of Your Itinerary

When planning a trip, it's easy to get caught up in the excitement of choosing destinations, booking accommodations, and arranging transportation. However, one essential aspect that should not be overlooked is travel insurance. Including travel insurance as a part of your itinerary can provide invaluable peace of mind and financial protection ensuring that you are adequately prepared for any unforeseen circumstances that may arise during your journey. In this article, we will learn how the policy is beneficial for you during your excursions.

What Is Covered In Travel Insurance?

The importance of this policy has increased as the number of travellers globally has also increased. However, there is still some scepticism on whether the policy is useful or not. If you have similar doubts, given below is a comprehensive list of what is covered in travel insurance:

- Coverage Against Medical Emergencies

One of the most significant benefits of the policy is its coverage for medical emergencies. Falling ill or getting injured while travelling can be a distressing experience, especially when you're in a foreign country. The cost of treatment can exceed your budget. Travel insurance can help ease your worries by providing coverage for medical expenses, hospitalisation, and emergency medical evacuation. This coverage ensures that you receive the necessary medical attention without burdening you with exorbitant healthcare costs. Claims are subject to terms and conditions set forth under travel insurance policy. *

- Trip Cancellation

Life is unpredictable and sometimes plans change unexpectedly. Imagine spending months planning your dream vacation, only to have it cancelled due to an unforeseen event such as severe weather, a personal emergency, or technical glitches related to the flight. The insurance policy can help safeguard your trip costs by covering the possibility of trip cancellation. It may provide reimbursements for certain trip costs, allowing you to reschedule your trip or recover your funds. Claims are subject to terms and conditions set forth under travel insurance policy. *

- Lost Baggage

No one likes to think about the possibility of their luggage being lost or delayed during a trip, but it's a risk that exists. The insurance policy can offer coverage for lost, stolen, or damaged checked baggage helping to ease the stress and inconvenience associated with such situations. This coverage can offer financial compensation for the valuable items which were lost, and purchase necessary clothing and toiletries until your belongings are retrieved or replaced. Claims are subject to terms and conditions set forth under travel insurance policy. *

- Loss of Passport

During a trip abroad, your travel documents are your gateway to that destination. Your passport is one of the most important documents that allow you to make the international trip possible. There can be instances where the document can be lost or get misplaced. This can cause you inconvenience as you would have to run from pillar to post to get a copy, at the same time facing the risk of having your trip cut short. Travel insurance may help you deal with such a situation. Claims are subject to terms and conditions set forth under travel insurance policy. *

- Additional Coverage Options

Beyond the core benefits mentioned above, the policy often includes a range of additional coverage options. These may include coverage for injuries caused due to adventure sports and compensation for burglary which might take place in your home during the trip. It is essential to review the policy details and select the coverage options that suit your specific needs and travel plans.*

Types Of Travel Insurance

Now that you have understood the benefits of including the policy in your itinerary, it is important that you also get acquainted with two of the common types of travel insurance that you can select from:

- Single-Trip Travel Insurance

As the name suggests, a single trip travel insurance policy is designed to offer coverage for one trip only. This policy is suitable for those who travel occasionally or rarely in a year. Check the duration of the trip, which is covered, and the destinations which are covered under the policy. These components of the policy vary from insurer to insurer.*

- Multi-Trip Travel Insurance

A multi trip travel insurance policy, unlike a single-trip policy, offers coverage for one year. The policy is more suited for those who travel frequently within one year. This could be a work trip or vacation. Similar to the single trip policy, it is important to check the number of days of the trip which are covered by the policy.*

Conclusion

Including travel insurance as a part of your itinerary is a prudent decision that can provide you with peace of mind and financial protection throughout your journey. It ensures that you are prepared for unexpected situations. By buying one, you can focus on enjoying your trip knowing that you are adequately covered for any potential setbacks that may come your way.   *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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