Reasons for Increasing Awareness about Travel Insurance

Posted on: Feb 21, 2022 | 3 mins | Written by: HDFC ERGO Team

Reasons for Increasing Awareness about Travel Insurance

With the emergence of omicron, a new variant of COVID-19, travel industry still has to operate under certain COVID-19 guidelines. The coronavirus pandemic is still looming over us and travellers who travel these days are aware about the importance of a travel insurance policy. With international travel insurance policy for individual as well as family, you can get coverage for any unforeseen scenarios like COVID-19 hospitalization, flight delay/cancellation, luggage loss, etc.

Now let us see, how there is increase in travel insurance awareness.

1. Travel Insurance is becoming a Vacation Staple

With travellers now realizing the risk of being uninsured, travel insurance is becoming as important, and in some cases as necessary, as having a valid passport. Fortunately, more plans now cover COVID-19 hospitalization if a policyholder contracts the virus. In addition, these policies provide coverage such as emergency medical evacuation, emergency medical care, trip interruption and trip delay coverage if the policyholder contracts COVID-19 while travelling. Some plans also provide higher travel delay limits to help travellers with additional accommodation expenses related to a covered quarantine.

2. Some Countries are requiring Travel Insurance for Entry

Some countries have now made it mandatory for every traveller to have a travel insurance policy. Given the constantly evolving global pandemic and requirements that are bound to evolve, it is essential to check the current entry rules for any country you are visiting to ensure that your travel insurance policy meets the minimum requirements. In addition, it is advisable to check each country’s visa requirement independently before travel.

3. The Types of Travel Insurance Policies Available

The demand for pandemic coverage has led the insurance industry to create new products to meet those needs. A travel insurance plan typically includes medical expense coverage for COVID-19, trip protection and coverage for baggage. With the enhancements added to travel insurance policies, epidemic-related illnesses are often a covered reason to interrupt or cancel a trip, seek reimbursement for emergency medical transport and care, be reimbursed for change fees, and more.

4. Where to find Plans that Cover COVID-19

It is advisable to research online for the best travel insurance policy that covers COVID-19 related expenses. You can opt for HDFC ERGO travel insurance policy, which offers a plan for individuals and families. There is also the option to choose an annual travel insurance policy if you are a regular flyer.

HDFC ERGO’s international travel insurance policy ensures that you are protected if you happen to catch COVID-19. Here’s what is covered under the travel medical insurance for COVID-19 -

● Hospitalization expenses if the policyholder catches COVID-19 under this overseas travel insurance.

● Expenses related to the transfer of mortal remains to the home country if the policyholder dies of COVID-19.

● Treatment can be offered on a cashless basis in-network hospitals. Medical expenses incurred are also covered on a reimbursement basis.

● Daily cash allowance during hospitalization.

Conclusion

Travelling is now a necessity and most integral part of many people lives. Although the pandemic is still around us, travelling cannot be ignored, as travellers continue to travel for their respective reasons. However, with the current COVID-19 situation and especially after the emergence of omicron, travel insurance is now a must before travelling to any foreign destination. COVID-19 cases can rise any time at any place, which can lead to lockdown, flight/trip cancellation or, to the worst, even the traveller can get infected with the coronavirus. Therefore, travellers now know the importance of a travel insurance policy and make a point to buy the best one that offers COVID-19 related expenses.

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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