For either business or pleasure, travelling abroad requires careful planning to ensure the trip’s success and safety. Travel insurance has become crucially important because of this. It serves as a safety net against the possibility of racking up unexpected medical costs but also against other travel-related emergencies that could ruin your trip, such as losing a passport or checked baggage.
Here Are A Few Main Reasons Why International Travellers Must Have Travel Insurance.
- Protects Against Unforeseen Medical Costs
Meticulous planning can only sometimes prevent travel mishaps, leaving us vulnerable in unfamiliar territories. Unplanned medical expenses can turn a vacation into a financial nightmare. Emergency travel insurance offers cashless coverage for unexpected medical costs, which is vital when healthcare abroad can be significantly more expensive. Comprehensive travel health insurance policies may even cover pre-existing conditions in life-threatening situations and provide medical evacuation and air ambulance services, allowing treatment in your home country upon return. Claims are subject to terms and conditions set forth under the travel insurance policy.
- A Friend In A Foreign Country
A travel insurance policy that provides 24-hour customer service for claims made abroad may prove to be a friend who helps overcome geographical or linguistic limitations. No matter where one is, they can be confident that there is a committed team behind them in the event of a medical or travel-related emergency if they have travel insurance.
One may get immediate travel insurance benefits through a medical evacuation, admission to the closest network hospital, or instructions on getting lost travel documents reissued. Because the customer care staff will deal directly with the local medical facility/authorities, the process is hassle-free for the insured. *
- Emergencies Connected With Travel
Non-medical emergencies can occasionally happen, such as losing a passport, laptop, international driver’s licence, checked baggage, or travel delays due to bad weather. These situations can result in missed flight connections or unused hotel reservations. Plans for travel insurance may offer money to cover many of these unforeseen expenses. Some businesses even provide reimbursement for the visa fee if it is denied. To handle such situations better, it is ideal to have travel insurance by your side. *
- Personal Liability Insurance
When a third party, such as a person or piece of property, is damaged during an emergency, the insured is responsible for paying the related costs. To cover this, some travel insurance policies also include a “Personal Liability” feature, under which the insurance provider will pay for third-party damages. Claims are subject to terms and conditions set forth under the travel insurance policy.
Mandatory requirement
Few nations require travellers to have international travel insurance; you don’t want to show up at the immigration desk only to learn that you can’t enter a foreign country because you don’t have insurance. When travel insurance documentation is present, visa applications may be allowed. Therefore, before leaving the country, make sure to find out if the destination nation requires travellers to have travel insurance.
*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.