An international trip is an exciting & refreshing escape from everyday life. International travel insurance ensures there is no other financial drainage in case anything goes wrong. Travel insurance for international travel comes with coverage for lost checked-in baggage, passport loss, medical emergencies and a lot more.
Why International Travel Insurance?
Business, adventure or study, your purpose for travelling abroad should never be compromised due to emergencies. The last thing you want to deal with abroad is unexpected expenses. It can be due to losing your wallet or sudden medical assistance. This is when international travel insurance comes to your rescue.
You can easily get international travel protection, that too without any
health checkups. International holiday insurance can be bought at affordable
premiums. Checkup until a certain age is usually not required, making overseas
holiday insurance accessible to people of a broad age group. The benefits of
online overseas travel insurance are offered through different plan variants.
You can buy international trip insurance as per your budget and requirements.
Features of International Travel Insurance
While planning, buying international travel
insurance online may be the last thing on your mind. However, it is the only
thing offering you the ultimate international travel protection. Plus, you can
get several benefits when you buy international travel insurance online for your trip. Particularly if you
are travelling long haul, foreign trip insurance is a must. Let’s have a close
look at the benefits of overseas travel insurance plans:
·
Cover for Accidents and Sickness: Falling sick is
horrible, but falling ill on a trip abroad is even worse. That's why trip
insurance for international travel compensates for most medical costs, be it
due to an illness, an unfortunate accident, or even emergency dental services.
Your overseas trip insurance also provides costs for any medical evacuation or
repatriation if needed.
·
COVID-19 Covered: Most foreign travel insurance online provides necessary
coverage in case you or your loved ones test positive or need treatment in the
middle of the trip.
·
Help with Baggage Loss or Delay: Loss or theft of
baggage is sadly a common plight. If this happens to you, your international
holiday insurance plan will help you.
·
Hijack Cover: Though unlikely, being a hijack victim
is nothing short of traumatic. Many international travel insurance online offer
a distress allowance to help you cope.
·
Travel Assistance: Insurance for traveling abroad offers a dedicated helpline for
any help you may need while travelling. This can be finding the nearest network
hospital or applying for your new passport.
·
Cashless Hospitalization: Most international travel insurance
online ensures you receive a cashless hospitalisation facility abroad in case
of hospitalisation due to sickness or accidental injury.
·
Coverage for Loss of Travel Documents: Some of the best
overseas travel insurance assist and pay for obtaining a duplicate copy of your essential
travel documents like passport, tickets, etc., in case of loss or
theft.
·
Personal Liability: If an unfortunate accident involves another person or their
property during your trip, your foreign travel insurance online will help you
pay for it. These costs will include any repairs or relevant medical expenses.
·
Flight-related Adversities: In case of trip
delay, cancellation, or curtailment, you no longer need to worry about extra
accommodation or other expenses. Your international travel insurance plan will
cover these losses. It also provides reimbursement if your trip is cancelled
for any reason.
Advantages of International Travel
Insurance
Other than international travel protection
and avoiding burning a massive hole in your pocket, overseas trip insurance has
several benefits. Here are some of the best advantages of buying insurance for
travelling abroad:
·
Fulfills Mandatory Requirement - It helps fulfil the
compulsory requirement to travel to a few countries where carrying an overseas
travel insurance policy is a must, such as Schengen countries, Turkey, and many
other tourist hotspots.
·
Emergency Assistance - All foreign trip
insurance plans provide emergency helpline numbers, mobile applications, and a
dedicated team to assist you in any emergency during your trip abroad. Monetary
assistance is provided if you lose all or a substantial part of your travel funds
due to theft, robbery, or pilferage. International travel health insurance will
also assist in case of medical emergencies.
·
Coverage for People of All Ages - You can buy
international travel insurance online for anyone in the mentioned age group, no
matter which country you travel to.
·
Flight-Related Adversities - While most
international travel medical insurance plans only cover medical expenses, many
plans also cover you for any adversities resulting from your flight, including
flight delays, missed connection flights, flight cancellations, flight hijacks,
etc.
·
Stress-Free Travel - Online overseas
travel insurance lets you travel stress-free and enjoy every moment of your
trip, as your insurer will take care of any adversities.
International Travel Insurance Inclusions
With so many benefits readily offered by
most international travel insurance online, it is hard to remember all their
advantages. Your insurer will cover the following unless specified otherwise:
·
Medical Expenses Cover - In case of an
unexpected illness, accidental injuries, or death, your overseas medical
insurance policy will cover medical expenses faced abroad.
·
Loss of Baggage Cover - Coverage will be
provided if your plan has the benefits of international flight insurance and
your airline damages or misplaces your baggage after checking in.
·
Trip Cancellation and Disruption Cover - The primary
benefit of your overseas trip insurance is that all your financial losses will
be covered if your trip gets cancelled or curtailed due to a covered emergency.
·
Flight Delays/Cancellation - If your flight
is delayed for more than a certain number of hours or gets cancelled, your
foreign travel insurance will cover it.
·
Passport Loss Cover - In case of loss of passport or
essential travel documents during your vacation, your overseas holiday
insurance also covers a reimbursement of the cost incurred on obtaining a fresh
or duplicate passport.
·
Personal Liability - If you buy foreign
travel insurance online, you will get help if you involuntarily result in
damage or injure a third party or their property.
·
Medical Evacuation - Medical expenses incurred due to
emergency evacuation to the nearest hospital for immediate treatment are
covered under insurance for traveling abroad.
·
Repatriation Cover - In case of a sudden demise, the
expenses for cremation and transporting the mortal remains to the family
members back in India are covered by overseas trip insurance.
·
Dental Cover - Any emergency dental treatment taken due
to an injury or acute pain during the trip is covered.
·
Hijack Risk Cover - A Hijack distress allowance is
granted if the flight you were travelling abroad or vice-versa is hijacked for
more than a certain number of hours.
·
Compassionate Visit - In case of
hospitalisation for an extended period, the cost of transportation and boarding
of one of your family members will be covered.
·
Trip Delay - Any delay in the commencement of the trip due to an unavoidable
emergency, such as a family member's hospitalisation or a natural calamity,
etc., is covered by international insurance for travel.
·
Missed Connection Flight Cover - If your
connecting flight is missed due to the delayed arrival of your inward flight,
your insurer will cover it.
·
Delay in Baggage Arrival - Reimbursement
of expenses incurred on essentials due to the airline's delayed delivery of
your check-in baggage.
·
Home Burglary Insurance - Compensation for losing valuables
is provided if your house is burgled during your international trip.
Buying affordable international travel
insurance means you can maintain coverage. An overseas trip insurance policy is
only helpful if it secures you in your time of need. Therefore, make sure to
buy the best overseas travel insurance by comparing them on Policybazaar.com.
Even the best international travel insurance
comes with some limitations. Before zeroing in on the best international travel
insurance online, read carefully about the expenses that will not be reimbursed.
Have a quick rundown of the things which will not be included in your overseas
travel insurance:
·
If your passport loss complaint goes unregistered with the
police authorities, the damages or loss incurred won’t be covered.
·
You wouldn’t be given medical cover if the pre-existing diseases
were not disclosed/ declared before the international travel insurance policy
commences, especially for those over 70.
·
Expenses or any loss incurred from mental incapability,
depression or under the influence of alcohol or drugs, or any suicidal attempt.
Also, venereal diseases and patients with HIV/AIDS are not covered under
international trip insurance online.
·
If your purpose for travelling abroad is for medical treatment
abroad.
·
Also, if you are travelling against the recommendation of your
healthcare provider.
·
If you are diagnosed with any life-threatening diseases before
your travel
·
Casualties or damages due to war or nuclear threats in the
concerned country
Note: This is not the complete list of
exclusions. For an exhaustive list, refer to policy wordings.
Why Should You Buy International Travel
Insurance Policy?
Take a look at some of the reasons why you
must buy an overseas travel insurance policy for your foreign trip:
·
Coverage against Overseas Financial Losses - An overseas trip
insurance policy covers unforeseen financial losses you may incur during your
trip abroad. It helps you stick to your budget while handling the emergency as
best as possible.
·
Takes Care of Expensive Medical Bills - Medical
expenses abroad are more expensive than in India. With the best travel
insurance for international travel, you don’t have to worry about it, as your
overseas holiday insurance will cover them.
·
Flight Delay Coverage - Flight delays are widespread while
travelling abroad and can lead to monetary losses. However, international
flight insurance can compensate you for many flight-related losses.
·
Coverage against Loss of Passport/Money - Losing your
passport or wallet while travelling abroad can put you in a difficult situation.
But travel insurance for overseas travel can help you to obtain a passport.
·
Compensation for Baggage Delay - A delay in the
arrival of your check-in baggage can be annoying and lead to unnecessary
expenses. In such a situation, your online overseas travel insurance will cover
the costs of buying essentials, such as medicines, toiletries, etc.
Travelling to most countries from India requires a visa. You must obtain a visa for the country you want to travel to before commencing your overseas trip. The process may also involve paperwork like insurance for foreign travel. This can be a hassle for many, which can be easily simplified by online overseas travel insurance purchases.
Luckily, many countries offer visa-free and visas on arrival for Indians.
They provide keys to Indian citizens on arrival at the destination airport or
provide a visa exemption.
What Should Be Carried While Travelling
Abroad?
While travelling abroad, you must remember to carry the following
essential things for a smooth and hassle-free trip:
·
Passport - You must always carry your passport during your trip. It
should be valid for the next 06 months and have at least 02 blank pages, or you
can land yourself in trouble.
·
Travel Adapters - Do carry travel adapters with you during your trip to
quickly charge your phone, camera, laptop and other electronic devices.
·
International Travel Insurance - Make sure to
buy the best travel insurance for international travel. You can easily stay
covered against any unforeseen adversities faced during the journey.
·
Medical Kit - Make an emergency medical kit consisting of painkillers,
personal medication, bandages, anti-allergy medicines and generic medicines
like paracetamol, etc. and carry it with you on the trip for emergency medical
aid.
·
Forex Card - Remember to keep your Forex Card in your wallet so that
you can use it to buy fabulous things during your trip. You should make sure to
buy the best forex cards for
international trip to avoid hidden charges.
·
Weather-appropriate Clothes - Check the
weather of the destination where you will be travelling and pack clothes
accordingly for your comfort.
·
Comfortable Shoes - Pack comfortable shoes to explore
foreign countries easily. Europe is especially a very walkable place, so being
comfortable is the key!
·
Sunscreens and Moisturizers - Don’t forget to
pack sunscreens when travelling to a beach destination. Also, don’t forget
moisturisers if travelling to the mountains!
·
Passport - You must always carry your passport during your trip. It
should be valid for the next 06 months and have at least 02 blank pages, or you
can land yourself in trouble.
·
Travel Adapters - Do carry travel adapters with you during your trip to
quickly charge your phone, camera, laptop and other electronic devices.
·
International Travel Insurance - Make sure to
buy the best travel insurance for international travel. You can easily stay
covered against any unforeseen adversities faced during the journey.
·
Medical Kit - Make an emergency medical kit consisting of painkillers,
personal medication, bandages, anti-allergy medicines and generic medicines
like paracetamol, etc. and carry it with you on the trip for emergency medical
aid.
·
Forex Card - Remember to keep your Forex Card in your wallet so that
you can use it to buy fabulous things during your trip. You should make sure to
buy the best
forex cards for international trip to avoid hidden charges.
·
Weather-appropriate Clothes - Check the
weather of the destination where you will be travelling and pack clothes
accordingly for your comfort.
·
Comfortable Shoes - Pack comfortable shoes to explore
foreign countries easily. Europe is especially a very walkable place, so being
comfortable is the key!
·
Sunscreens and Moisturizers - Don’t forget to
pack sunscreens when travelling to a beach destination. Also, don’t forget
moisturisers if travelling to the mountains!
