Everything about travel insurance

In this era, it is hard to find a person who doesn’t like the idea of traveling at all. After all, who can deny the thrilling experience we enjoy while hopping into places? However, it does not matter how hard we try to organize our trips precisely because things tend to go out of hand at moments when we are not ready with backup plans. If this issue concerns you too, you have landed at the right place. We will guide you with all you need to know on ways to handle such emergencies. But, of course, the best way to handle emergency situations is to get travel insurance.

What is travel insurance?

Travel insurance policies are designed to offer coverage against emergencies that might occur due to loss of checked-in baggage, loss of passport, trip delays, medical emergencies in foreign land and much more. These policies have various plans that are designed for traveling to several countries. Such policies are even customized for solo travellers, family trips, students studying abroad, and even senior citizens.

What do such travel insurance policies cover?

These insurance policies are designed to negate all possible risks that travellers may encounter while traveling. Thus, it hardly matters if you are going on a business trip or a leisure one; these travel insurance policies cover the most of the emergency situations. Some of the issues which may occur, are covered under these policies, highlighted as under-

• Charge of obtaining a new or duplicate passport in case the traveller has lost the original one.
• Reimbursements of return tickets fare for a family member visiting the insured if they are hospitalized for more than seven days.
• Expenses are incurred if the insured misses a connecting flight for a delay of more than three hours.
• Acute anesthetic dental treatment caused due to an accidental injury.
• Accidental physical injury caused during the course of the trip.
• Compensation for death or permanent disability caused by an accident while riding as a passenger in a common carrier.
• Expenses incurred in case of cancellation or interruption of trips due to the medical, airline, or natural disasters as per policy wordings.
• Facilities to provide the insured emergency cash if they lose travel funds in case of theft.
• Checked-in baggage losses are covered under a particular policy.
• Loss incurred against burglary in the home while the insured is traveling abroad.

There are some specific and customized travel insurance plans. Some of them are listed as follows:

• Senior citizen travelers Plan
• Student travelers Plan
• Frequent travelers Plan

Some agencies even offer overseas travel insurance for multiple destination's travel plan. If the insured extends their holiday, it is recommended that they should extend the travel insurance policy because it is better to take measures than to end up empty-handed in emergencies.