Not Having a Comprehensive Travel Insurance Plan Can Ruin Your Trip

Traveling places is considered as the best way to relax and refresh your body, mind, and soul, but failing to buy travel insurance can adversely affect the whole trip. You can fall victim to medical emergencies, theft, flight delays, loss of belongings, passport & important documents or other difficult situations in the trip. The cost of a small medical emergency overseas can impact your entire holiday budget. 

Travel Insurance is financial safety against mishaps that may happen on your trip. It provides you with medical coverage if you get sick or injured on your journey, compensates you if your flight gets canceled, or if a family member dies and you need to go home. It's protection against those emergencies that can come out of nowhere and cost you greatly if you are not prepared.

The travel insurance plan also offers you a level of protection against currency fluctuations as, even though one’s policy is paid for in local currency, all claims are incurred in foreign currencies. There are various reasons for purchasing Travel Insurance & some of them are given below:

Trip Cancellation Coveragerepays you for pre-paid, non-refundable expenses if you need to cancel your trip before you leave.

These are a few of many reasons but covers very common situations for canceling.

• Sudden Illness or Injury
• Death of a family member or Travel partner or you
• Bad Weather Conditions at your destination or place you had planned to travel
• Urgent Piece of Work
• Terrorist incident in your destination city

Trip Interruption Coverage covers you for the same reasons as for trip cancellation but while you are on your trip. If something happens and you are required to return home, insurance will repay you for the lost portion of your trip as well as for additional expenses such as last-minute flight home.

Travel delay coverage provides compensation for additional expenses in case your flight is delayed and you have to spend an extra day at the destination.

Medical emergencies overseas 

Most people think their existing health care insurance covers them from medical emergencies even in abroad. However, this doesn’t fall true for every health insurance policy. Moreover, your health insurance provider won’t pay to evacuate you & repatriate you back to your country.

The medical expense coverage in a travel insurance plan will cover you for accidents and emergency medical and dental care when you travel abroad.

Loss of Baggage or other important belongings

Baggage Coverage can compensate you for your personal belongings if your luggage or passport is lost, stolen or damaged. Similarly, baggage delay coverage provides money to buy essential items until your delayed bags arrive, such as a toiletry kit, a swimsuit, or another change of clothes.

24/7 Customer Service 

Every travel insurance company provides 24/7 support to assist you during medical as well as non-medical emergencies.

And so, getting Travel Insurance offers you peace of mind & turns out to be a basic necessity to make the whole travel experience less traumatic and share the weight of financial losses.