ATK
New Delhi [India], June 28: Traveling to foreign destinations is a dream for many, but only a few live it due to the costs involved. When you fly to the country of your dreams, you plan everything meticulously, making sure nothing untoward happens to catch you off guard. However, certain situations are not in your hands and can make the entire trip worse in a minute. This is where it is recommended to have financial backing in the form of travel insurance.
Let's take a look at what this policy covers.Understand travel insurance coverage
A comprehensive travel insurance plan offers coverage for the following:
1. Medical Emergencies Medical crises can happen unexpectedly and ruin your entire plan. What if the change of cuisine doesn't agree with your digestive system? What if changing weather conditions result in a common flu? Well, if you are in the US or the UK, where the local currency translates to between Rs 80 and Rs 104, the cost of the treatment could upset your budget.
That's where you can use your travel health insurance[/url ] Pay the bills .
The insurer also pays for the treatment of injuries sustained due to a traffic accident. However, remember that most insurers do not reimburse medical bills if the contributing factor is an injury due to participation in adventure sports.2. Flight delays
You are ready to leave the hotel room when suddenly a message on your screen says that all flights are on hold for the next 18 hours due to bad weather. You check with the weather department and discover that the forecast is not good for the next two days. You call reception and ask for an extension to your accommodation. In this scenario, the insurer will reimburse you for the additional days of stay and the amount spent on meals.
3. Baggage delayThe handling of checked baggage is adequately coordinated, but the number of cases in which travelers report delayed or lost baggage is becoming common.
Imagine a situation where your luggage goes missing shortly after arrival, but the competent authority assures you that it will be found within 36 hours. Your luggage contains a cash card, medicines and other necessary items.
Now, if you had to pay for all the necessities yourself, the cost could be high enough to force you to make compromises on other things to stay within budget. But do not worry; With [url=https://www.icicilombard.com/travel-insurance/single-trip?utm_source=p_syndication&utm_medium=article&utm_campaign=aninews.in_travel]online travel insurance, you can get reimbursed for all your expenses for necessary items.4. Personal responsibility
Let's say you are in a store that only sells antiques. While exploring the exhibits, his hand accidentally hits a sculpture believed to be 150 years old, it falls and breaks. The broken pieces also damage the customer right behind you.
In this case, the insurer will compensate the customer's bodily injury and the store owner's property loss.5. Trip cancellation
You usually plan your itineraries well in advance when you go on a trip abroad. You make hotel reservations, book round-trip plane tickets, and purchase tickets to your most anticipated concert. However, two days before your trip, you receive the sad news that a close relative is hospitalized and you are the only one who takes care of that person. Now you have to cancel all your reservations, but some reservations are non-refundable. Here, the insurer will take care of the financial loss you have faced due to trip cancellation.
6. Emergency Evacuation You love hiking and to fulfill that desire, you head to the most remote mountain range of your destination. However, while walking, he slips and suffers a serious head injury. The worst thing is that there is no hospital nearby to treat your illness and you have to move to another city or, in the worst case, to your country of origin.
In this case, travel insurance will not only cover the emergency evacuation but will also cover the associated costs.
7. House Burglary When you are on an international trip and leave your house without a caretaker, the chances of someone burglarizing the house are high. Thieves can break into your home and steal valuables like cash and jewelry.
Travel insurance covers these cases. However, it is essential to understand the information needed when purchasing coverage to avoid denial of claims in the future.
ConclusionWhen purchasing travel insurance, be sure to read the fine print on the electronic copy. Check the inclusions and exclusions and review the claims process to avoid last-minute problems. Connect with your insurance company executive to know the various clauses associated with medical treatment expenses.
New Delhi [India], June 28: Traveling to foreign destinations is a dream for many, but only a few live it due to the costs involved. When you fly to the country of your dreams, you plan everything meticulously, making sure nothing untoward happens to catch you off guard. However, certain situations are not in your hands and can make the entire trip worse in a minute. This is where it is recommended to have financial backing in the form of travel insurance.
Let's take a look at what this policy covers.Understand travel insurance coverage
A comprehensive travel insurance plan offers coverage for the following:
1. Medical Emergencies Medical crises can happen unexpectedly and ruin your entire plan. What if the change of cuisine doesn't agree with your digestive system? What if changing weather conditions result in a common flu? Well, if you are in the US or the UK, where the local currency translates to between Rs 80 and Rs 104, the cost of the treatment could upset your budget.
That's where you can use your travel health insurance[/url ] Pay the bills .
The insurer also pays for the treatment of injuries sustained due to a traffic accident. However, remember that most insurers do not reimburse medical bills if the contributing factor is an injury due to participation in adventure sports.2. Flight delays
You are ready to leave the hotel room when suddenly a message on your screen says that all flights are on hold for the next 18 hours due to bad weather. You check with the weather department and discover that the forecast is not good for the next two days. You call reception and ask for an extension to your accommodation. In this scenario, the insurer will reimburse you for the additional days of stay and the amount spent on meals.
3. Baggage delayThe handling of checked baggage is adequately coordinated, but the number of cases in which travelers report delayed or lost baggage is becoming common.
Imagine a situation where your luggage goes missing shortly after arrival, but the competent authority assures you that it will be found within 36 hours. Your luggage contains a cash card, medicines and other necessary items.
Now, if you had to pay for all the necessities yourself, the cost could be high enough to force you to make compromises on other things to stay within budget. But do not worry; With [url=https://www.icicilombard.com/travel-insurance/single-trip?utm_source=p_syndication&utm_medium=article&utm_campaign=aninews.in_travel]online travel insurance, you can get reimbursed for all your expenses for necessary items.4. Personal responsibility
Let's say you are in a store that only sells antiques. While exploring the exhibits, his hand accidentally hits a sculpture believed to be 150 years old, it falls and breaks. The broken pieces also damage the customer right behind you.
In this case, the insurer will compensate the customer's bodily injury and the store owner's property loss.5. Trip cancellation
You usually plan your itineraries well in advance when you go on a trip abroad. You make hotel reservations, book round-trip plane tickets, and purchase tickets to your most anticipated concert. However, two days before your trip, you receive the sad news that a close relative is hospitalized and you are the only one who takes care of that person. Now you have to cancel all your reservations, but some reservations are non-refundable. Here, the insurer will take care of the financial loss you have faced due to trip cancellation.
6. Emergency Evacuation You love hiking and to fulfill that desire, you head to the most remote mountain range of your destination. However, while walking, he slips and suffers a serious head injury. The worst thing is that there is no hospital nearby to treat your illness and you have to move to another city or, in the worst case, to your country of origin.
In this case, travel insurance will not only cover the emergency evacuation but will also cover the associated costs.
7. House Burglary When you are on an international trip and leave your house without a caretaker, the chances of someone burglarizing the house are high. Thieves can break into your home and steal valuables like cash and jewelry.
Travel insurance covers these cases. However, it is essential to understand the information needed when purchasing coverage to avoid denial of claims in the future.
ConclusionWhen purchasing travel insurance, be sure to read the fine print on the electronic copy. Check the inclusions and exclusions and review the claims process to avoid last-minute problems. Connect with your insurance company executive to know the various clauses associated with medical treatment expenses.
