Are You a Solo Traveller? Here’s Why You Need to Have Overseas Travel Insurance

Posted on: Jan 27, 2022 | | Written by:

Are You a Solo Traveller? Here’s Why You Need to Have Overseas Travel Insurance

Published on February 11, 2022. EST READ TIME: 4 minutes

Travellers cover many interesting places in their journey, however, there are chances of them needing a potential medical help, just in case if any accident take place or some sickness happens. Now when you are a solo traveller, it is vital to have a overseas travel insurance policy to secure your trip and keep your loved one back home at peace. Travel insurance for any traveller is a must and, like accommodation, meals, tips, etc., it should be considered a fundamental cost associated with any trip.

Why Does Solo Traveller Need Travel Insurance?

Travel insurance provides coverage against many unwanted situations you might face in another country. With travel insurance, you get coverage for trip cancellation, loss of luggage, flight delays, COVID-19 hospitalization, etc, and you are assisted to your destination as quickly as possible. Furthermore, a travel insurance policy ensures peace of mind by giving 24/7 emergency aid during your trip, whether you need medical help or any other travel assistance. With travel insurance, you can explore the world solely without any hassle.

Here are some reasons to opt for travel insurance if you are a solo traveller-

1. Travelling to a Foreign Land-

When you travel to a new place, you are unaware of the situation there. Hence, it is advisable to buy travel insurance online to reduce stress and give you peace of mind that someone is there to assist you during an emergency, even in a foreign land.

2. Reimbursement for Trip Delays-

When flights are delayed, overnight waiting at the airport can lead to many financial expenses. But with an insurance cover, you are on the safe side. You will get the reimbursement for the loss incurred due to the trip delay.

3. Cashless Hospitalisation-

Just in case you fall sick or face an accident, you can avail the facility of cashless hospitalization during any medical emergency including COVID-19 hospitalisation. All the hospital bills are paid under travel insurance cover.

4. Emergency Coverage-

Travel insurance policy will help you get coverage for emergency assistance such as medical evacuation, loss of luggage, cover for natural calamities, trip cancellation, etc.

5. Lockdown Due to COVID-19 Pandemic -

If you are travelling to a foreign land, where COVID-19 cases spike up and you get stuck in that country due to lockdown. In that scenario, you can get coverage for an extended stay due to lockdown with your travel insurance policy under specific conditions.

How to Choose a Right Travel Insurance Plan if you are a Solo Traveller?

Before you opt for any overseas travel insurance plan, it is advisable to take into consideration, the below-mentioned factors:

Region Centric:

Ensure that your travel insurance policy adheres to all the travel regulations of the country where you are travelling.

Policy Coverage:

You must check what is covered under your travel insurance plan and what is excluded. Your policy should have a maximum medical coverage limit considering the current COVID-19 situation.

Claim Settlement Ratio:

Claim Settlement Ratio (CSR) shows the insurance claims capacity to pay. So it would be best to choose the insurer with higher CSR.

Emergency Coverage Assistance:

You must look for a travel plan that ensures high emergency coverage assistance such as loss of passport, medical evacuation, personal loss, etc.

Conclusion

When you are travelling solo or with your family, it is preferable to have an overseas travel insurance policy, as unforeseen circumstances can happen any time. Especially when you are a solo traveller on foreign land, where you have no relatives or friends, travel insurance comes handy to help you take out of any difficult situation. Solo travellers can opt for HDFC ERGO comprehensive travel insurance plan.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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