Travelling to new locations helps you explore places and cultures. It is true even more in the case of international travels where there is stark difference in culture, laws and and even the way people lead their lives is different. But travel is not only for leisure. Sometimes work commitments require you to visit new places. But one thing common in both cases is the travel insurance coverage.

A travel insurance policy is an essential requirement that many travellers overlook. It saves you from the different risks that are prevalent while travelling and as a result, financial implication of it. Minor inconveniences, especially on foreign soil, seem to be difficult to deal and even more where language barriers exist. No amount of meticulous planning is effective to be prepared for unexpected emergencies and hence, a travel insurance policy must be opted for.

What is covered by travel insurance policy?

When buying a travel insurance plan, you must look for certain common coverages. But remember, they can be customised too. Such tweaking is possible based on the coverage you require, the location you are travelling to and even members covered by it. Let’s know what is covered by travel insurance, here are some of the essential coverages offered by a travel cover:

• Medical coverage during travels

Medical emergencies are uncalled for and for the most times unexpected. It is a very rare scenario when you are aware of an ailment that will require a treatment. During travels, if a medical emergency strikes, it adds up to your mental stress by burdening with financial resources thereby inducing financial stress. Further, the cost of treatment in a developed country is almost five times higher than in India. At such time, having the backup of a travel insurance policy helps cover these high treatment costs. A few travel policies offer cashless facility whereas a few other reimburse it, but in both situations, the expense is taken care of. *

• Travel related losses

Baggage loss is one the most occurrence when travelling abroad. Your luggage may either be delayed significantly or in some cases even lost. During these situations, the airline offers a compensation for such losses, but it is often not sufficient. Thus, a travel insurance plans ensures the financial loss is compensated. Apart from that, your luggage may include important documents if you are one a business trip. So, a business travel insurance plan covers the financial impact of such lost goods. Not just goods, loss of passport and other crucial documents is also covered. *

• Changes in your trip itinerary

Flight cancellations or delays can often result in changes to your trip itinerary. While a delay result in changes, in some cases the entire flight is cancelled. These situations of cancelled flight can be as a result of natural calamity or even due to factors like political unrest in the country you are visiting. While the financial implication of such cancellation can result in all your planning going waste. Thus, a travel insurance cover helps manage such unexpected losses that often have a financial implication. *

• Cover for personal liability

A travel policy offers coverage for personal liability where the insured, if ends up incurring a legal liability can be compensated for. These events may be a result on involuntary actions but having legal consequences. Personal liability coverage includes third-party legal cover too. *

* Standard T&C Apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.