Travel Insurance: Travel insurance is not just for medical emergency. It has many advantages, which can make your journey safer and more flexible. Also, if there is some change in your plan during your stay abroad, then travel insurance helps during that time too.
Travel Insurance Key Benefits: While planning a travel, it is necessary to protect yourself from any emergency during travel. Whether you are a globetrotter or have suddenly made a travel plan, your checklist should be prepared. In the summer holidays, people are usually doing family, friend or solo trips. Travel insurance must be taken to deal with any incident/accident during the travel trip. Travel insurance helps you a lot in dealing with sudden emergencies.
Manas Kapoor, Product Head (Travel Insurance), Policybazaar.com, says that travel insurance is not just for medical emergencies. It has many other advantages, which can make your journey safer and more flexible. Also, if there is some change in your plan during your stay abroad, then travel insurance helps during that time too. Manas Kapoor says, travel insurance provides coverage for pre-existing diseases as well as many conditions including dental treatment, emergency trip extension, missing a connecting flight.
coverage up to $10,000
With the rise in pre-existing diseases (PEDs) like diabetes and high blood pressure among people of all ages, it is important to keep these diseases in mind while planning your travel. When you are traveling in a foreign country, you may have to face any kind of medical emergency due to these types of diseases. Therefore, if you have a pre-existing medical condition or someone traveling with you has such problems, a plan that provides coverage for PEDs should be taken. This coverage is up to $10,000.
dental treatment
Dental treatment is often not covered under health insurance, but is covered under most plans in travel insurance. Especially in case of emergency like sudden toothache or pain, your travel insurance policy will come to your rescue. Generally, travel plans include dental treatment by default, however, you should check for its coverage before purchasing. Its coverage can vary between $100 and $1,000.
Missed connecting flight coverage
Another benefit of travel insurance is that it comes in handy in case you miss your connecting flight due to any emergency. Travel insurance can help deal with this risk. If you miss your connecting flight due to delay and incur expenses due to the same, you can file a claim for the same under travel insurance with coverage up to $2000.
trip interruption
If your flight is delayed, or there is an interruption during your journey, your travel insurance may cover the expenses you pay for things like food and accommodation due to the delay. This is also applicable if you need to cut short your journey and return home due to an emergency. However, it is imperative to check that the inconvenience caused by delay, interruption or shortage is listed in your travel insurance policy and is covered by your insurance company.
emergency trip extension
Due to emergency situation during your journey, you may have to wait longer than necessary. However, longer stays mean higher costs. To cover such expenses, there is an option to add coverage for emergency trip extension to your travel insurance policy. This covers the cost of changing or rescheduling flights, booking hotels and other related expenses due to extension. The limit varies from one week to 180 days depending on the plan and coverage you choose.
