A Comprehensive Guide on Inclusions of Travel Insurance
Before you embark on a trip, especially international
journeys, regardless of the purpose of the trip, it is always essential to
purchase travel
insurance. It is important to carefully
review the insurance policy's guidelines, terms, and conditions to understand
the coverage suitable for your situation. Usually, every travel insurance plan
comes with inclusions and exclusions. It is of utmost importance to know them,
so that you be well aware of what coverage you have. This becomes even more
important if you are travelling abroad. Before you start your trip, make sure
you know the inclusions of your international travel insurance.
What Can You Claim Under
Travel Insurance?
While the exact inclusions of every international
travel insurance vary, here are the common main inclusions of international
trip insurance plans -
1.
Medical Expenses: Your insurer will cover the medical expenses if you
experience unexpected illnesses, accidental injuries, or death while
travelling.
2.
Loss of Baggage: If your airline loses or misplaces
your checked-in baggage, your travel
insurance provider will provide full coverage for the loss, reimbursing you
for the value of the lost items.
3.
Trip Disruption: If your trip is interrupted due to personal or
professional emergencies, like a medical emergency or a death in the family, your
insurer will cover the financial losses associated with the cancellation or
curtailment of your journey.
4.
Flight Delays/Cancellations: If your flight is delayed or
cancelled, resulting in additional expenses or missed connections, your international
travel insurance provider will effectively reimburse you for the
inconvenience and associated costs.
5.
Passport Loss: Suppose your passport or other essential travel documents
are lost or stolen. In that case, your travel
insurance policy provider will reimburse you for the total expenses
incurred in obtaining a new or duplicate passport.
6.
Personal Liability: If your unintentional actions
cause injury, death, or property damage to a third party, your travel insurance policy provider will
compensate the affected party for their losses.
7.
Legal Cover: Your travel
insurance plan provider will cover legal liabilities arising during your
travels, such as legal expenses resulting from accidents or disputes.
8.
Medical Evacuation: In case of a medical emergency
that requires immediate evacuation to the nearest hospital, your insurer will
cover the expenses associated with medical evacuation.
9.
Repatriation: If you pass away during your trip, your travel insurance plan provider will
cover the expenses for repatriating your remains to your family members in
India.
10. Dental Cover: Before you buy travel insurance policy, make sure your insurer will reimburse
you for emergency dental treatment resulting from injuries or acute pain
experienced during your trip.
11. Hijack Risk Cover: If your flight is hijacked for a
specified duration, your overseas travel
insurance provider will provide a hijack distress allowance to cover
additional expenses incurred during the hijack situation.
12. Compassionate Visit: If you are hospitalised for an
extended period, your insurer will cover the transportation and accommodation
costs for one of your family members to visit you.
13. Trip Delay: Suppose the start of your trip is
delayed due to unavoidable emergencies, such as the hospitalisation of a family
member or a natural calamity. In that case, your overseas travel insurance provider will provide coverage for the
additional expenses incurred.
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