Why You Should Never Travel Without International Travel Insurance?

Travelling abroad can be exciting, but it also carries multiple risks, including medical emergencies, lost luggage, or flight delays. That's why having international travel insurance is so important. Without it, you could end up paying a lot of money for unexpected issues, like medical bills, and missed or delayed flights. In some countries, like Russia and Cuba, travel insurance is even required.

Having the right international travel insurance ensures you're covered if something goes wrong, giving you one less thing to worry about while you enjoy your trip.

What Is International Travel Insurance?

International travel insurance protects you when you're travelling outside your home country. It covers you for a variety of unexpected situations abroad, such as medical emergencies, trip cancellations, lost luggage, or travel delays. This insurance ensures you avoid high medical costs and other potential issues, providing peace of mind during your trip. Depending on the plan, it might also cover emergency evacuations, trip interruptions, and theft.

Why Is International Travel Insurance Important?

International travel insurance is vital as it offers financial protection and peace of mind while travelling. It acts as a safety net, protecting you from unexpected expenses and problems while you're far from home.

Here are some factors highlighting the importance of international travel insurance:

● Medical emergencies: If you become sick or injured while traveling, medical treatment costs are typically much higher than in your home country. Your regular health insurance may not cover you abroad. However, travel insurance ensures you're covered for medical treatment, hospital stays, and emergency evacuation if needed.

● Trip cancellations or interruptions: In some cases, flights might get cancelled, or unexpected events force you to cut your trip short. In such cases, travel insurance can help you recover costs for non-refundable bookings, such as flights and hotels.

● Lost or delayed luggage: If your luggage is lost or delayed, the international travel insurance can cover the cost of replacing essential items while you wait.

● Travel delays: Travel insurance also covers various costs if your trip is delayed, including accommodation or meal expenses.

● Peace of mind: Having the right international travel insurance ensures that you’re prepared for the unexpected, helping you focus on enjoying your trip rather than worrying about what might go wrong.

What Is Covered Under International Travel Insurance Plans?

International travel insurance plans typically cover a range of unexpected events during your trip. Coverage varies by provider and policy. Here are some common coverage areas:

● Emergency hospitalisation cover: Travel insurance covers both inpatient (IPD) and outpatient (OPD) treatments if you require hospitalisation due to an unexpected situation

● Trip delay, cancellation, or interruption: International travel insurance covers financial losses if your trip is delayed, canceled, or interrupted, allowing you to travel stress-free.

● Loss of travel documents: If you lose important travel documents, such as your passport or international driving license, first report the loss to the authorities. Then, the insurance provider will cover the cost of replacements.

● Loss of checked-in baggage: Losing luggage can be frustrating; if this occurs, the right international travel insurance will reimburse you for incurred expenses.

● Missed flight connection: Travel insurance will cover extra travel or accommodation costs if you miss your connecting flight.

How To Choose The Right International Travel Insurance?

Choosing the right international travel insurance requires careful consideration of your travel plans, budget, and potential risks. Here are some factors to consider:

● Identify your coverage needs: Start by figuring out what kind of coverage you need. Think about your trip duration, activities, and any health conditions you have. If you're planning adventure sports, ensure your policy covers them. If you have a pre-existing medical condition, choose a plan that includes medical expenses for it.

● Compare different insurance providers: It is advisable not to settle for the first policy you find; compare multiple options. Look for one that offers the coverage you need at a fair price. Reading reviews from other travelers can help you understand their claims handling process.

● Check policy limits: Each policy has a limit on how much it will pay for claims, choose a policy with limits that meet your needs.

● Understand exclusions: Read the common policy exclusions, including pre-existing medical conditions, risky activities, or certain trip cancellations, to avoid confusion during the claim filing process.

● Look for extra benefits: Some insurance policies offer additional perks like 24/7 emergency support, compensation for lost baggage, or trip cancellation protection. Check if these benefits are useful for your trip.

● Read the Policy Carefully: Before buying, go through the policy details thoroughly. Make sure you understand all terms, conditions, exclusions, and limits. If anything is unclear, seek clarification from the insurer.

Over to You

Travelling abroad is an incredible experience, but unexpected events can turn your dream trip into a nightmare. From medical emergencies and lost luggage to trip cancellations and delays, international travel insurance acts as your financial safety net, ensuring you don’t face unnecessary stress or expenses.

By choosing the right travel insurance policy, one that covers your destination, activities, and personal needs, you can travel with confidence, knowing that you're protected against potential risks. After all, a small investment in coverage today can save you from significant financial and emotional distress tomorrow

Disclaimer: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.

(The views, opinions, and claims in this article are solely those of the author’s and do not represent the editorial stance of The Assam Tribune)