Imagine a situation where you have been saving for years to fulfil your parents’ dream of visiting the Alps. Instead of enjoying your overseas journey, you are stranded in a foreign land because your connecting flight has been rescheduled for the next day. What do you do, and where do you go with your aged parents?

All this can be avoided if you get travel insurance for your trip. Most people commonly believe that such policies are unnecessary expenditures, but the above-mentioned situation proves otherwise.

Can you be sure that nothing unexpected or untoward will happen when travelling abroad? The following article will help you better understand how travel insurance can make your holiday stress-free so that you can spend quality time with your family.

Key Benefits of Opting for Travel Insurance

When travelling abroad, you might get exposed to uninvited problems like - unexpected medical expenses, hospitalisation, loss of luggage or even documents etc. Falling into such crises can turn out to be expensive for your pocket, especially when they need to be paid in foreign currency.

And talking of medical treatments, the expenses for the same in many countries can be prohibitively high. As the saying goes, precaution is better than cure; while you are planning for your vacation, it would only be wise to get yourself travel insurance.

The following are the key advantages you can enjoy when you get travel insurance for your trip, whether domestic or international:

Keeps Your Passport and Baggage Secure

Losing baggage or passports is not anticipated during a holiday. Still, it may occur when travelling to a far-off destination with connecting flights and layovers in between.

With a travel policy, you can ensure that in case checked-in baggage gets lost or is delayed, you are compensated during that period. Moreover, if your baggage is lost, you will get reimbursement for the total value of your baggage, subject to policy terms and conditions.

Ensures Health Security

Health issues are another aspect that cannot be foreseen. Accidents and injuries leading to hospitalisations can not only sour the trip experience but also burn through savings. However, with travel insurance coverage you are spared from spending hefty money for medical treatment overseas.

Additionally, if you are hospitalised for more than seven consecutive days, you can have your immediate family member come over for a visit, and the travel policy will provide coverage for this. Repatriation of mortal remains is another expense a travel policy covers.

Covers You During Financial Emergency

Your stress-free holiday experience can be ruined if you realise that your travel money has been stolen. But with a travel plan to guard against such unforeseen events, you can receive financial assistance quickly.

Provides Reimbursement for Trip Cancellations

One of the major advantages of purchasing travel insurance is getting reimbursed for nonrefundable payments (forfeited).

Your trip can be cancelled or interrupted due to multiple unexpected situations, such as bad weather, sudden illness or death in the family (immediate). You will receive compensation if you have made a prepaid payment before the departure date.

Should I Get Travel Insurance?

These key features will help you make a decision on how useful a travel policy can be to make your holiday stress-free.

• Reimbursement for trip cancellation.
• Expense coverage for emergency hospitalisation due to an accident, including dental treatment.
• Cashless claim settlement.
• Coverage for medical treatment due to illness.
• Compensation for personal liability.
• Financial assistance in case of theft or robbery.
• Compensation for trip delays or missed flights.
• Reimbursement for checked-in baggage delays or loss.

Again, if you fall ill during your trip and need a family member by your side or have to be medically evacuated, your travel policy will reimburse you for the expense. This coverage extends to the repatriation of mortal remains as well.

Also Read: Steps to Buy Travel Insurance

Tips for Selecting Travel Insurance Coverage to Ensure a Stress-free Holiday

One of the main stress-free holiday tips is buying travel insurance for your vacation. If you are planning for an international travel insurance policy at an affordable price, check with different insurance providers that offer overseas travel insurance policies.

Take a look at the cost quotation of your travel insurance policy from various insurers. Once you have determined the cost of insurance plans available on the market, you will find it easy to pick up the most affordable plan for yourself.

Here are some important guidelines that will help you with your purchase decision to get holiday insurance for your trip:

Know What Coverage You Want

Think of what coverage you will require for your holiday. Are you going alone or with your family, and for how long? Can you extend your policy if you have to stay abroad longer?

Also, if your accident results in a need for dental treatment, will the policy cover that? With your coverage needs sorted, you can start looking for a policy that meets all these requirements.

Understanding Policy Exclusions is a Must

Exclusions are common in all insurance policies. You must read the exclusions to know what coverage you can claim for and what you cannot under the policy.

Learn About Deductibles

The amount you must pay before the coverage starts is deductible. Knowing how much deductible you are to pay for this policy will help you understand what amount you need to invest in a travel plan.

Select Sum Insured According to Your Need

You must consider the estimated sum amount you want to insure before investing in this plan. Your sum insured should cover you financially from various unexpected circumstances that you may apprehend can occur.

Assess the Claim Settlement Process

Reputed insurers ensure your claim is settled quickly and without any bumps. Make sure that you select a trusted insurer whose claim settlement process is simple and fast.

Conclusion

So now you know why you need travel Insurance to ensure a stress-free holiday experience. This policy protects you financially through unanticipated circumstances when travelling. While there are other aspects of travel to cover before making a trip, neglecting the need for a travel plan for your journey is not worth considering.

Reliance General Insurance offers travel plans for domestic and international trips with extensive coverage for travel-related problems that may arise during your trip. Our Overseas travel insurance caters to the requirements of individuals, families and even senior citizens between the ages of 61 and 90 years when travelling abroad.

Additionally, we provide coverage for students travelling abroad for studies under our Student Travel Insurance plan, which you can learn about on our website.

Frequently Asked Questions

What is a dental treatment in travel insurance?

If you have an accident during your trip that requires anaesthetic dental treatment for your natural tooth/teeth, reimbursement is provided under this policy. However, this coverage is subject to the sum insured and other policy terms and conditions.

Do I need to undergo medical tests to avail of a travel policy?

No, you don’t have to undergo any medical tests to obtain our travel policy.

How are claims settled in the case of travel insurance?

Claims are settled through cashless claims by making calls. You can call our national/international assistance numbers through Europ Assistance for national and international claims. We ensure that your claims are settled in a hurdle-free and swift manner.