International travel is an exciting opportunity that every traveller looks forward to. However, uncertainties are a part of life's journey. Therefore, a smart option is to consider an insurance plan that covers your international trip. Whether you have already travelled without insurance and faced no difficulties, it is still beneficial to consider as a travel insurance policy can shield you from financial losses in case you fall sick at the time of your trip.
These plans offer coverage to individuals or groups that are going out of their home country for travel. It could be due to work, leisure, or even medical treatment.
Mentioned below are some inclusions of an international insurance plan:
Medical Expenses- If due to any unforeseen condition, a person has to undergo medical treatment in a foreign country, he/ she is covered by the insurance plan for the same. This encompasses the cost of hospitalisation, surgical procedures, medications, emergency medical evacuation, etc.
Emergency Medical Evacuation- This kind of coverage takes in its circle the costs that are linked with emergency transportation to the nearest medical facility if the local medical hospitalisation is inadequate or does not provide the required treatment. This also includes the cost that you might have to pay for repatriation to your home country if required due to emergency medical conditions.
Cancellation of Trip- If near the date of the trip, due to any reasons, cancellations happen or you have to cut short your trip due to reasons that are beyond your control like injury, illness, or death of a family member, you will be protected against such losses. This inclusion is only in reference to the prepaid expenses of the trip.
Trip Delay- This coverage provides reimbursement for any kind of additional expenses that a person has to bear due to a delay in the trip. This includes things such as the cost of meals, accommodation, and even transport.
Baggage and Personal Belongings- This coverage offers compensation to a person as regards to any kind of theft, damage, or loss that is caused to your personal belongings, luggage, or even the travel documents during the course of your trip.
Personal Liability- This coverage includes protection against any third-party claims for property damage or bodily injury that is your responsibility during the foreign trip.
Accidental Death and Dismemberment- In case a person dies or he/she loses any limb accidentally during travel during the course of the trip, he/she is provided coverage against the same.
Legal Assistance- This coverage offers access to the legal assistance or advice you seek during your trip abroad. It is quite possible that due to whatever reason you need any legal help.
Emergency Assistance Services- This offers protection against any emergency services that you resort to during the trio. This can be a helpline to help you resolve medical emergencies or anything related to travel.
Before you decide what cover to opt for, consider that the coverage that you may get is according to the insurance provider, and it depends on plan that you go in for, after thorough research. It is advisable that you choose the plan according to your specific requirements and get it customised to your requirements. Understand the precise inclusions and limitations of an international plan before you select it and ensure that the insurance provider that you appoint is genuine and guides you properly all through.
