A Comprehensive Guide on Inclusions of Travel Insurance

by Purvi Dalvi Writer

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.

In conclusion, travel insurance provides crucial protection and peace of mind for individuals travelling domestically or internationally. Understanding what can be claimed under travel insurance is essential before you buy travel insurance policy. This helps in making informed decisions and ensuring appropriate coverage.

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Created on Sep 15th 2023 07:17. Viewed 167 times.

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