Why Should You Buy a Travel Insurance Policy

When you choose to travel, you take the risk of lost luggage, flight cancellations, reservation cancellations, theft and many other situations which may cause anxiety. Planning a vacation is stressful enough without having to worry about something going horribly wrong. Purchasing travel insurance will ensure that you are compensated if anything goes wrong on your trip. When trying to determine whether or not to purchase travel insurance, keep in mind the points listed below which may make your decision much easier.

When it comes to vacation, you probably do not want to think about travel insurance and something going wrong and would much prefer to think about rest and relaxation. But planning for a potential emergency before a trip is much easier than dealing with one during a trip. In addition, you should also understand the lost baggage, trip cancellation and trip delay benefits provided by your credit card, if applicable. In some cases, you can purchase cancel-for-any-reason coverage, which allows you to cancel for any reason. This coverage, which reimburses a percentage of your prepaid, non-refundable costs, is usually an add-on to a comprehensive package, and you usually must purchase it within thirty days of your initial trip payment.

1) Trip Cancellation

Suppose you have an emergency cancellation because you cannot go on a pre-planned trip. Say you paid to hotels and airlines and you expect them to get refunded, right? Wrong, they do not usually provide a refund. This is where you need a travel insurance to save you money. If you have a trip where you have already made the deposits, purchasing a trip cancellation insurance is beneficial. To ensure that you are adequately insured for travel, consider purchasing the following coverages:

– Additional baggage coverage for expensive single items, if the value of your baggage is not covered by credit card benefits.
– Trip cancellation insurance up to the cost of your trip, if not covered by credit card benefits.
– At least INR 1 lac in travel medical insurance.
– At least INR 1 lac in personal liability coverage for claims that may be made against you.
– Medical evacuation and repatriation in case you can not travel home on a commercial flight.
– Coverage for any pre-existing medical conditions.

2) Emergency Sickness

What if you are traveling and suddenly start feeling sick? This is something that can totally spoil the fun for rest of your stay. If you do not have trip cancellation insurance protection, there is a possibility of ruining the entire trip. This protection can send a doctor directly to your hotel room or direct you to the nearest clinic. You do not have to bear the out-of-pocket expense. It is covered under the policy. It makes a seamless integration between you and your entire trip. When you choose to travel, you take the risk of lost luggage, flight cancellations, reservation cancellations, theft and many other situations which may cause anxiety. Planning a vacation is stressful enough without having to worry about something going horribly wrong. Purchasing travel insurance will ensure that you are compensated if anything goes wrong on your trip. When trying to determine whether or not to purchase travel insurance, keep in mind the points listed below which may make your decision in easier way.

3) 14 Days Free Look

Whether you believe it or not, it is true. If you buy a travel insurance policy, if within first 14 days of purchasing the plan (prior to departure) you decide to not opting for this policy or what you wanted were not being covered by it, then you will be allowed to cancel it for your reasons. You will receive a full refund of the premium you already paid. This is a norm for customer satisfaction as insurance companies these days want happy customers under them. When it comes to vacation, you probably do not want to think about travel insurance and something going wrong and would much prefer to think about rest and relaxation. But planning for a potential emergency before a trip is much easier than dealing with one during a trip. In addition, you should also understand the lost baggage, trip cancellation and trip delay benefits provided by your credit card, if applicable. In some cases, you can purchase cancel-for-any-reason coverage, which allows you to cancel for any reason. This coverage, which reimburses a percentage of your prepaid, non-refundable costs, is usually an add-on to a comprehensive package, and you usually must purchase it within thirty days of your initial trip payment. You will receive a full refund of the premium you already paid. This is a norm for customer satisfaction as insurance companies these days want happy customers under them.

4) Affordable Coverage

It does not make any difference whether you choose a short (Single Trip) or long trip (Annual or Multi Trip in a gap year). To make an overall successful trip, travel coverage is required to gift you with peace of mind. The coverages are affordable if you compare with the situation of not having any coverage. It is the safest way to relax when you are on your adventure. The shorter length of a trip does not actually denote the lesser risk of an accident. You do not have to bear the out-of-pocket expense. It is covered under the policy. It makes a seamless integration between you and your entire trip. Planning a vacation is stressful enough without having to worry about something going horribly wrong. Purchasing travel insurance will ensure that you are compensated if anything goes wrong on your trip. When trying to determine whether or not to purchase travel insurance, keep in mind the points listed below which may make your decision in easier way. If you have a trip where you have already made the deposits, purchasing a trip cancellation insurance is beneficial. When you choose to travel, you take the risk of lost luggage, flight cancellations, reservation cancellations, theft and many other situations which may cause anxiety.

 

5) The Reason for Cancellation will not be asked

Yes, the travel insurance company does not ask you for the reason. They will not ask why you cancelled your trip. At times things happen that are out of your control. That is when you need our coverage for help. Trip Cancellation is actually an optional coverage. But it is the one that can save you in the longer run for your unforeseen moments. At any time you can just call and ask the company for a hotel recommendation or a restaurant recommendation. They will help you to find out what inoculations and vaccines you need before arriving in the destination country. You will remain protected and your friends will be impressed. Suppose you have an emergency cancellation because you cannot go on a pre-planned trip. Say you paid to hotels and airlines and you expect them to get refunded, right? Wrong, they do not usually provide a refund. This is where you need a travel insurance to save you money. At any time you can just call and ask the company for a hotel recommendation or a restaurant recommendation. They will help you to find out what inoculations and vaccines you need before arriving in the destination country. You will remain protected and your friends will be impressed. If you have a trip where you have already made the deposits, purchasing a trip cancellation insurance is beneficial.

6) Concierge Service

Everyone wants to get a bit of extra attention, is not it? Alright, it is not difficult now with the advantage of taking a travel insurance policy. With the insurance coverage you can feel like a VIP! You know all the important places to go at any time in the world. At any time you can just call and ask the company for a hotel recommendation or a restaurant recommendation. They will help you to find out what inoculations and vaccines you need before arriving in the destination country. You will remain protected and your friends will be impressed. You will remain protected and your friends will be impressed. Suppose you have an emergency cancellation because you cannot go on a pre-planned trip. Say you paid to hotels and airlines and you expect them to get refunded, right? Wrong, they do not usually provide a refund. This is where you need a travel insurance to save you money. If you have a trip where you have already made the deposits, purchasing a trip cancellation insurance is beneficial. Everyone loves adventure and that is why everyone travels to different countries outside their home countries. A travel insurance company does not want an adventure when it comes to protect your health. Hence when you are in a country where the medical treatment is not available, travel insurance does arrange and pays for you to get a place that can take care of you and your health needs.

7) Lost Baggage

Usually you are supposed to take much time to analyse everything need to have along with you to make your vacation perfect. And then all of a sudden, you see that your bags do not arrive at airport trolley! Else, you find that someone has stolen your priceless camera during the journey! You make calls to the airlines, you spend your money to trace and get back the items but you do not get anything. This is where your travel insurance policy just steps in. While evacuation insurance and travel health insurance are two most important types of travel insurance, the hope is that you never have to use them. Still, it is great to have peace of mind knowing you are covered if something goes wrong. At a minimum, you should have a handy number to call for travel and emergency assistance, a benefit that is offered through most credit cards and travel insurance policies. The travel insurance company does not ask you for the reason. They will not ask why you cancelled your trip. At times things happen that are out of your control. That is when you need our coverage for help. Trip Cancellation is actually an optional coverage. But it is the one that can save you in the longer run for your unforeseen moments. At any time you can just call and ask the company for a hotel recommendation or a restaurant recommendation. They will help you to find out what inoculations and vaccines you need before arriving in the destination country. You will remain protected and your friends will be impressed.

8) Assistance Service

When you have a travel insurance company’s assistance service on your trip and you get benefited by using that assistance, you get to realize its charm. Perhaps this is one of the most underrated service. But you will realize that it is the most useful one as it provides you just one contact number to call. And over the phone you will get any kind of help at any language to assist you. It does not make any difference whether you choose a short (Single Trip) or long trip (Annual or Multi Trip in a gap year). To make an overall successful trip, travel coverage is required to gift you with peace of mind. The coverages are affordable if you compare with the situation of not having any coverage. It is the safest way to relax when you are on your adventure. The shorter length of a trip does not actually denote the lesser risk of an accident. What if you are traveling and suddenly start feeling sick? This is something that can totally spoil the fun for rest of your stay. If you do not have trip cancellation insurance protection, there is a possibility of ruining the entire trip. This protection can send a doctor directly to your hotel room or direct you to the nearest clinic. You do not have to bear the out-of-pocket expense. It is covered under the policy. It makes a seamless integration between you and your entire trip. When you choose to travel, you take the risk of lost luggage, flight cancellations, reservation cancellations, theft and many other situations which may cause anxiety. Planning a vacation is stressful enough without having to worry about something going horribly wrong.

9) Trip Interruption

What if something unforeseen or unexpected happens and you require to get back to your home early? Travel insurance policy will help you to arrange your return as quickly as possible. And you get back without any kind of financial repercussion. It is a new way to relax when you are away on vacation. Usually you are supposed to take much time to analyse everything need to have along with you to make your vacation perfect. And then all of a sudden, you see that your bags do not arrive at airport trolley! Else, you find that someone has stolen your priceless camera during the journey! You make calls to the airlines, you spend your money to trace and get back the items but you do not get anything. This is where your travel insurance policy just steps in. And it helps you out in every way possible. Perhaps this is one of the most underrated service. But you will realize that it is the most useful one as it provides you just one contact number to call. Purchasing travel insurance will ensure that you are compensated if anything goes wrong on your trip. When trying to determine whether or not to purchase travel insurance, keep in mind the points listed below which may make your decision in easier way. Over the phone you will get any kind of help at any language to assist you.

10) Emergency Evacuation

Everyone loves adventure and that is why everyone travels to different countries outside their home countries. A travel insurance company does not want an adventure when it comes to protect your health. Hence when you are in a country where the medical treatment is not available, travel insurance does arrange and pays for you to get a place that can take care of you and your health needs. While evacuation insurance and travel health insurance are two most important types of travel insurance, the hope is that you never have to use them. Still, it is great to have peace of mind knowing you are covered if something goes wrong. At a minimum, you should have a handy number to call for travel and emergency assistance, a benefit that is offered through most credit cards and travel insurance policies. The five takeaways are as follows:

– Familiarize yourself with the seven major types of travel insurance.
– Pay for trips entirely with a travel credit card and be informed about the travel insurance coverage offered.
– Supplement credit card travel insurance coverage with coverage purchased from travel insurance companies, when necessary. Read the fine print for all travel insurance.
– Compare rates using the recommended travel insurance companies.
– Never assume that travel agents offer the best travel insurance rates.

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