Why do I need travel insurance?
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Why do I need travel insurance?
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Ans-
Travelling abroad is expensive. Along with this, there are a lot of risks involved that may affect the trip, be it business or leisure. Theft, baggage loss, flight delays, medical emergencies, terrorist attacks, anything can happen. Travel insurance is a financial cover against common problems that might affect your trip by providing financial coverage.
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What is covered in travel insurance?
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What is covered in travel insurance?
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Based on the level of insurance taken, major things covered in travel insurance are medical emergency, medical evacuation, loss of passport, checked baggage loss, checked baggage delay, personal accident, personal liability, hijack daily allowance, financial emergency cash, repatriation of mortal remains, trip cancellation, dental treatment.
There are add-on covers that one can take besides the regular plans available like financial emergency, home burglary, personal liability, dental treatment etc. The list of available add-on covers need to be verified with the company you are buying travel insurance from.
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Am I covered if I meet with an accident in adventure sports?
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Am I covered if I meet with an accident in adventure sports?
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No, travel insurance does not cover any injury or accident in adventure sports.
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Can I extend my travel insurance if my stay abroad has to be extended?
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Can I extend my travel insurance if my stay abroad has to be extended?
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Yes, it is possible to extend travel insurance if your stay abroad has been extended. If the travel has been extended due to things covered in the policy like flight delay or cancellation or a calamity, and no other alternate travel arrangements can be made, your cover will be automatically extended for up to 7 days. If you need to extend the trip for personal reason, you need to extend the travel insurance as well be covered for the rest of the duration before the existing policy expires. If you anticipate that you may need to extend the trip it is better to take insurance for the maximum duration you think you may have to spend.
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