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Top reasons you should never forget to take your overseas travel insurance

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Published on April 15, 2021. EST READ TIME: 3 minutes

For a long time, people waited to travel again, and just when they thought they are nearing the end of the Covid-19 pandemic, the cases began to see a sharp rise. However, things are comparatively better than last year and the economy is in recovery mode. One thing that hasn’t changed, however, is the sense of uncertainty. What will be the new rules? Should I change my travel dates? Should I cancel my tickets? Well, if you must travel, you need to consider the potential risks. When travelling abroad, the situation can be far complicated, especially, when the risk of infection or chances of flight cancellations are quite high. Your one trustworthy companion should be your overseas travel insurance. Here's why it’s an important asset that will keep all your troubles away and will let you enjoy your journey and stay.

5 Reasons why overseas travel insurance is a must-have

• Medical coverage: You may be in the pink of health, but medical emergencies come unannounced. Medical treatment in foreign soil is very expensive and without travel insurance, it could lead to financial stress, making the whole experience of travel topsy-turvy. Having overseas travel insurance comes as a boon during a medical crisis as it would cover diagnostic tests, in- and out-patient treatment, medical evacuation, and also fly you back home. Most importantly, you can avail cashless facility with this cover. When you fall sick while travelling, inform your insurance company as soon as possible.

• Non-medical emergencies: Non-medical or travel-related emergencies such as loss of passport, baggage, flight cancellation, delays and missed flights can ruin the trip. In such a situation, travel insurance can be handy as it provides financial support to meet such exigencies. In case of passport loss, the insurer will not only get you a duplicate passport, but also take care of the related expenses. Similarly, baggage loss is compensated with the insurer paying a pre-approved sum as mentioned in the policy. Expenses incurred due to flight delays, cancellation, missed flights are reimbursed if you have a valid overseas travel insurance.

• Personal Liability:  If accidentally, you are liable for any third-party damage abroad, paying from your own pocket can exhaust your savings. The Personal Liability benefit offered under the travel insurance will take care of the expenses of third-party damages.

• Mandatory in some countries: Few countries like Schengen nations have made it mandatory for visitors to have travel insurance as they understand the many issues a traveller may face and how travel insurance can take care of the issues. Sometimes, visa applications get rejected for not having travel insurance. So, before you book your tickets, check if the country you are travelling to mandates travel insurance.

• 24*7 support: If you are stranded in a foreign country and don’t know the local language or people, whom do you approach? Fret not! A travel insurance cover, with its 24*7 customer support, is your friend in need which will help you come of the situation. Hence, it is advisable to carry a copy of the insurance document while travelling.

Conclusion

Whether travelling for business or leisure, we want to make sure it is safe and memorable. While packing your bags with all the essentials, don’t forget to pack your overseas travel insurance. It is a must-have to cover any unforeseen emergencies such as medical and other travel-related issues that can ruin your trip.

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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