Travel Insurance Options for Travelling Abroad

Buying a travel insurance policy nowadays has become easier. You can browse the websites of the top insurance companies and take a close look at their packages. You can even compare the policies on the third-party websites. After considering each and every aspect, you can wisely come down to a good decision. But, the question is- how to figure out the right travel insurance plan for your needs? The options available are in plenty.

In case you don’t have much idea about the different travel insurance options available, you might not be able to pick the right one. Opting for the most suitable policy is crucial to ensure you get the benefits on time. This is more important if you are travelling abroad. When you are on a foreign land, chances are high that nobody knows you personally. Any kind of bad incident that can make a hole in your pocket can be quite devastating for you and your family. So, let us empower you with some useful information that you can put into use at the time of buying a travel insurance plan.

Understanding the options available

• Vacation plans or comprehensive trip insurance

Thousands of Indians go on international trips every year, mainly with their family members. Now, even though trips are meant to be enjoyable and pleasurable, but bad luck or incident can creep in from anywhere. Your trip might get cancelled almost at the end moment. Like we know, no refund is provided by the airlines if you miss your flight. Even when you cancel your ticket, the airline companies do not provide a 100 per cent refund. When multiple tickets are booked, a big amount is at stake. So, if you do not want to take any risk then it is better to safeguard your travel plan with a comprehensive or vacation plan.

But, why it is called the comprehensive plan? Well, apart from covering your air ticket’s cancellation amount, these policies offer many more advantages. Some of them are:

• Loss of baggage
• Baggage delay
• Medical treatment
• Trip interruption
• 24×7 worldwide assistance
• Accidental coverage
• Emergency evacuation

Also known as trip cancellation insurance, this kind of policy is quite popular among travellers. The premium you pay to avail these benefits is usually quite affordable. Offered by the majority of the insurance companies, the vacation plans are designed according to the destination and its various aspects. In addition, the purpose of your visit is also taken into account. In short, a vacation plan is a must buy travel insurance plan for travellers who don’t want to worry about anything during their trip.

• Travel medical plans

When travelling abroad, some people need to take a little extra care of their health. If you are someone who easily falls sick in different climatic conditions then a travel medical policy is the best option you can go for. These plans offer you coverage more than what you get from your regular health insurance provider. If cancellation is not something you worry about then opting for this kind of standalone travel insurance should be enough to make you feel safe. Apart from covering medical emergencies, these plans also offer medical evacuation. In some policies, life insurance coverage is also included.

Medical expenses in western countries can be very expensive. If you are already suffering from a medical condition, you can still get your travel plans covered by these policies. In fact, opting for the multi-trip travel plans would be more suitable for you. Under this kind of policy, multiple trips are covered in a year. So, if you travel quite often then it will save you from the hassle of buying a travel insurance policy again and again.

Speciality plans for the travellers

In addition to the above-mentioned options, there are specialized plans too. They are more like customized travel insurance plans. You can get them designed as per your unique needs and requirements. For example, if you are planning to go somewhere remote, then in such situations it is always important to keep a backup plan for your emergency evacuation. In case something bad happens in the middle of the trip, the insurance company will take the responsibility of arranging the necessary transport. In this way, you will not have to spend your savings on costly emergency evacuation services.

Some travellers go abroad to take part in various types of adventurous activities. Like we know, in adventurous and outdoor fun activities the chances of accidents remain high. Getting injured in such activities can prove to be fatal, particularly when you are far away from your country. But, having a speciality travel insurance plan will make sure you get instant medical services. Likewise, there is a wide range of add-ons available. All you need to do is get in touch with a reliable insurance agent.