Why Should I Buy Travel Insurance?
If you are planning a quiet and hassle free journey, then travel insurance can increase your joy. When you get an assurance that you are covered and any unforeseen circumstance would not affect your voyage, you remain tension free.
What Is Not Covered Under Travel Insurance?
You must understand each clause in your travel insurance document and examine what is not covered.
Any cancellation or rescheduling of flight is not covered in a bad weather situation.
Cancellation Due To A War Is Generally Not Insured?
Outbreak of disease and a cancellation thereafter is not covered.
Some companies cover terror struck areas and cancellations due to such situation while others don’t.
I Rented A Car During My Trip. Is It Covered?
Yes, when you have travel insurance you are protected while renting a car. However, it is a personal choice. You might be insured under your auto or homeowner’s insurance for this benefit.
Can I Get My Travel Covered For Free?
There are a few credit card companies which offer complementary travel insurance covers, when the travel ticketing is charged on your card. You must verify the benefits with your credit card company.
From When Does My Insurance Cover Begin?
The scheduled date written in your agreement is when your cover starts. It is mostly the date of departure from your current place.
Should I Carry My Policy Along?
It is advised to carry a copy of your policy. It makes your journey convenient in case of any emergency. If you don’t carry your insurance or forgot to take it along with you, then it is expected of you that you know the policy details.
For How Many Trips My Insurance Is Valid?
It is a personal choice to opt for single trip insurance or a multi trip insurance. In single trip, only one travel is covered and is generally recommended for infrequent travelers. In multi trip insurance, many trips are covered.
Does My Insurance Covers Medical Expenses For A Treatment Incurred Abroad?
Travel insurance only covers accidental sickness or illness. It doesn’t payfor your medical expenditures on any therapeutic treatment if you visit abroad for any medical checkup or treatment.
Can I Cancel My Travel Insurance Policy?
Yes, the policy can be cancelled but in that case the administration charges would be deducted. You can cancel the policy either before or after departure.
You can request cancellation of the policy stating a valid reason and your premium would be paid to you with minimal deductions. After your departure, if you don’t travel and can produce your passport as a proof, your refundable premium with some deductions will be paid back to you.
What Generally Are The Coverage For Medical Evacuation And Repatriation?
Medical evacuation covers transfer to a medical facility for urgent situations and checkups. Repatriation provides benefits such as shifting to the native place when recommended by the doctor or transferring to a hospital near the patient’s home.