Five Cheap Travel Insurance Myths
Majority of travelers think that online travel
insurance India is as important to their journey as a sunscreen and passport.
But, some people find it as a needless expense. Below are five myths related to
travel insurance policies:
·
“I have homeowners and health insurance that gives protection, so I
don’t require travel insurance”
Sometimes,
person may think that he or she is loaded and locked, but he or she is not.
Generally, basic travel insurance plan offers trip interruption, travel
assistance, lost baggage, trip cancellation, accidental death and limited
medical evacuation benefits etc.
On the
other hand, healthcare plans vary and has lower deductibles and benefits when
policyholder access medical services in out-of-network hospitals. But, travel
insurance pay for medical assistance anywhere around the globe based on a plan
in case you fall sick or get injured during your holiday.
Also, it
covers an interrupted or canceled trip because of demise, illness or injury of
an immediate family member at home before or during policyholder’s vacation. In
fact, some plans can even reimburse insured people for buying clothing in case
of loss of luggage, as long as policyholders keep those receipts for your
purchases.
·
“If my flight is delayed, the airline will cover me. No need of travel
insurance.”
In case a
flight is delayed for reasons beyond the airline’s control, like air traffic
delays, mechanical issues and bad weather, then the airline is not obligated to
do anything more than get you to your destination on its next available flight.
Travel plans pay sufficient for meals as well as for hotel room for the night.
But, there is a per day limit on the travel insurance coverage.
·
“No insurance policy will cover adventurous sports.”
Some
insurance companies in India give a rider which travelers can use to cover them
if they are enjoying any adventurous sports during their trip.
·
“If I fall ill while traveling and need medical assistance, the best
travel insurance policy online will cover my expenses”
Usually, Cheap Travel Insurance offers the policyholder with a medical transfer to the nearest
most appropriate medical facility as mentioned by the insurer.
·
“All online travel insurance policies are same.”
These plans
available with various options and varying amount of coverage. Most of the
times, travelers choose a plan that offers kid’s coverage at really affordable
rate. Basic coverage provides comprehensive insurance for policyholder’s entire
trip and also give reimbursement for non-refundable trip costs in case
insured’s trip is canceled because of any covered reasons.
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