When planning to embark on your next trip, it’s always a good idea to get travel insurance so that you can enjoy your journey. This ensures that you are protected against any eventuality, without it putting a dent in your savings. Read on as we explore what travel insurance covers:
Travel Insurance Coverage can be broadly broken down into the following sections:
Protecting You
If you experience a medical complication on your travels, travel insurance usually covers your doctor’s visitation charges and hospitalization expenses up to the benefit limit. However, it is important to know whether your medical insurance is primary or secondary; that is how it relates to your overall health insurance plan. It’s also important to understand the policy regarding providing coverage for pre-existing conditions.
Protecting Your Belongings
When traveling, it is also crucial that you protect your belongings. Fortunately, in the case of any damage or loss of belongings during your travels, travel insurance can help protect these items. If your luggage is stolen or lost, travel insurance can help pay for replacement items. However, it is important to remember that most claims aren’t paid till you file them with a list of the items that have been stolen or lost, with original receipt. Some policies though, allow you to avail of coverage while you are still traveling, without these documents.
Protecting Your Experiences
Travel insurance can also provide coverage for unused prepaid expenses in the case that you are forced to halt your travel plans mid-way. This can include trip cancellations or trip interruptions.
Other Benefits
In some policies, coverage is also provided for reimbursing your expenses if your flight is canceled and you have to find accommodation for the night, or if a travel delay means that you miss scheduled tours or connecting flights, or if your selected tour operator goes out of business.
Travel Assistance
A majority of travel insurance plans also provide travel assistance as an add-on feature with their policies. This is in the form of a 24/7 emergency hotline that aids you and provides you with resources when faced with any challenges covered by your travel insurance, during your travels.
