Here’s Why You Should Buy Travel Insurance before an Expensive Trip

Posted on: Jul 8, 2022 | | Written by:

Here’s Why You Should Buy Travel Insurance before an Expensive Trip

Why to Buy Travel Insurance before Expensive Trip

With COVID-19 restrictions getting eased in most parts of the world, many people are planning trips to some amazing locations, which they were not able to cover in last two years of the coronavirus pandemic. These trips can be expensive, where you will definitely not want to face any hurdles or hindrance. For a smooth journey and to travel stress-free, it is advisable to have an international travel insurance policy before flying out for an expensive trip. Travel insurance secures your journey from financial loss that might incur due to unfortunate events like flight delays, luggage loss, checked-in baggage delays and any other journey related risks.

Why You Should Buy Travel Insurance For an Expensive Trip?

When going for an expensive trip, you have to spend a lot of money on flight tickets, hotel bookings, tour operators and other important things. Therefore, a travel insurance policy becomes even more useful. Furthermore, it is essential to note that an international travel insurance policy helps you retain your precious funds during an emergency. This can be due to a medical emergency, accident, losing your passport, baggage loss or because you had a change in plans because of something unavoidable. Like any other insurance, travel insurance is a contract that ensures protection for yourself under specific difficulties. These circumstances are pre-decided, and you can buy or customize your plan for the desired coverage.

Overall Coverage

An expensive trip means a lot of prepaid expenses, making it a considerable risk if you encounter any unforeseen events. Travel insurance will cover you for numerous things like flight delays, baggage loss and checked-in luggage delays, to name a few. With travel insurance policy you also get 24x7 emergency assistance services.

Better Medical Coverage

On an expensive trip, the place you will be travelling to will mostly have a high cost of living. Another possibility is that you're travelling to a very off-beat or exotic place. While you're bound to enjoy this exclusivity, it can be equally dangerous. Especially during a medical emergency, you might have to shell out a lot of money for transportation or medical evacuation.

Evacuation crews don't come cheap. If you're planning to go to exotic far-off locales, don't get dingy with the medical coverage. Ensure that you opt for a travel insurance plan with a high sum insured, offering the highest coverage for medical expenses, including evacuation. To get a better idea, read up on the closest health facilities to the area you are travelling to and buy a travel health insurance plan with adequate coverage. With HDFC ERGO travel insurance policy, you get a vast network of one lakh plus cashless hospitals worldwide, and it also comes with coronavirus hospitalization cover.

Fulfils Mandatory Requirements

Many countries have made it mandatory for travellers to have a travel insurance policy. For example, if you travel to any Schengen country, you must have a travel insurance policy to get a schengen visa. While many countries allow you to buy travel insurance upon arriving at their port of entry, some countries won’t process your visa without fulfilling this condition.

Conclusion

No matter wherever you go, it is always wise to have an international travel insurance policy as it secures your trip. Even if travel insurance is not mandatory in the country you travel to, it is advisable to have it. This is because you can come across problems like flight delays, luggage loss, and misplacing important travel documents, to name a few, during your journey, which could lead to financial losses. With HDFC ERGO travel insurance policy, you can cover 25 Schengen countries + 18 other countries.

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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