Why Overseas Travel Insurance is an absolute must while travelling abroad?

Posted on: Jan 3, 2019 | | Written by:

Why Overseas Travel Insurance is an absolute must while travelling abroad?

Published on October 17, 2022. EST READ TIME: 3 minutes

Traveling is fun, and it should be. Traveling overseas for a holiday along with your family, it is always a pleasurable experience which most of you look forward to. To make your trip overseas more memorable and secure, you must avail the cover provided by Overseas Travel Insurance. International Travel Insurance covers the insured against loss of baggage, robbery, health problems, delays, accidents etc. This is crucial considering the fact that while on an overseas travel you will be unacquainted with the landscape, language and how-to-go-about information; therefore you would require a helping hand.

Overseas Travel Insurance is the thing on which you can fall back upon while faced with adverse circumstances. Getting medical attention in a foreign country can be a challenge both on the financial level as well as functional level; travel insurance acts as a guide under such situation by providing for the expenses of medical care, hospitalization or emergency evacuation and travel inconvenience such as delay of flight, loos of baggage, stolen documents.

Therefore as the old adage goes; “Expect the best but be prepared for the worst”.

What is Overseas Travel Insurance?

Overseas travel insurance, also known as international travel insurance, secures your journey against unfortunate events that can lead to financial losses and cause hindrances in your trip. In addition, it provides coverage for checked-in baggage loss, luggage delay, flight delay, medical emergency, loss of passport and other unforeseen scenarios during the journey. Therefore, with travel insurance, you can fly with your family or friend with the peace of mind. With the HDFC ERGO travel insurance policy, you get a network of one lakh plus cashless hospitals worldwide. You can check out HDFC ERGO overseas travel insurance online, which covers 25 Schengen countries + 18 other countries.

Importance of International Travel Insurance

Many countries like the UAE, Qatar, Schengen countries, etc have made it mandatory for travellers to have an international travel insurance policy. Even if International Travel Insurance is not mandatory for tourists in other countries, it is always advisable to have one before you explore any foreign country. It has relevance because it is the only reliable source of help in foreign boundaries. Moreover, overseas travel insurance avoids financial expenses in medical emergencies, personal liability, or other emergencies like loss of baggage.

By availing for yourself the cover of travel insurance online, you are effectively preparing for the worst-case scenario; undoubtedly it is a wise thing to do in order to attain peace of mind. Travel Insurance Company provides the insured with the help line number which is available 24 * 7. Whenever the insured is in an adverse situation while travelling, then he/she can call on the helpline number and ask for help and assistance; thus, giving a sense of safety in distant lands. There are provisions under travel insurance by which financial assistance is made available to you in case of robbery. This reduces the anxiety of being in a cumbersome situation. With such merits and benefits in sight it is certainly a great way to secure your cherished holiday abroad.

Benefits of Overseas Travel Insurance

Here are some benefits that come with buying international travel insurance online:

• Medical assistance:

International Travel Insurance Policy can cover all your medical expenses incurred by you for immediate treatment. Emergency Medical Evacuation and Repatriation of Remains to the home country is also covered up to the medical sum insured chosen.

• Loss of Your Passport:

If your passport is lost, your travel insurance policy provider will arrange for replacement of the passport.

• Loss of Your Baggage:

Your insurer will arrange compensation of a predefined amount. This limit of compensation is mentioned in the travel policy wording.

• Delay of Flight:

International travel insurance policy will cover flight delays where the insurer will provide reimbursement for meals and refreshments. The coverage limit for expenses will be as per the amount mentioned in your policy.

• Luggage Delay:

If there is a luggage delay, the insurer will provide reimbursement to the policy holder for buying essential items like clothes, toiletries and other essentials worn or used by you.

Conclusion

Suppose you are planning a foreign trip in nearby future. In that case, buying an international travel insurance policy is advisable, as unwanted events can happen at any time, which can easily spoil the holiday mood. The HDFC ERGO travel insurance policy requires no health check-up before travelling. Also, the policyholder can opt for coverage ranging from $50K to $500K.

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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