Travel Insurance : Take a Positive Step



When talking about the different types of insurance policies, one must not forget to learn more about Travel Insurance plans. Such policies ensure the financial safety of a traveler during a trip. Therefore, when compared to other Insurance policies, Travel insurance is a short-term cover.

Travel insurance is an insurance product for covering the unforeseen losses incurred during the travelling, either Internationally or Domestically. Basic policies generally only cover emergency medical expenses of overseas, while comprehensive policies typically includes the coverage for trip cancellation, lost of luggage, flight delays and other expenses.

Different Types of Travel Insurance :

·         Domestic Travel Insurance - This is the kind of travel insurance policy which safeguards your finances during the travels within India. However, if you plan to step outside the country for a vacation, such a policy would not offer any assistance.


·         International Travel Insurance - If you are stepping out of the country, be ensure that you pick an International travel insurance plan. It allows you to cover the unforeseen expenses that can arise during your trip like medical emergencies, baggage loss, loss of passport, etc.


·         Home Holiday Insurance - When you are travelling with family, your home remains unguarded and unprotected. Chances of burglary are always significant, which may lead to significant losses. With home holiday insurance plans, which are often included within travel policies, you are financially protected from such events as well. 

Benefits of Travel Insurance :

·         Cover Flight Delay - Flight delays or cancellations can lead to significant losses for the passenger. If you buy travel insurance, you can claim such financial losses from the Insurer.


·         Baggage loss/Delay - Travel insurance lets you claim the monetary assistance if there is a delay or you loose your luggage during the trip. With this amount, you can purchase some of the necessary items.


·         Reclaim Lost Travel Documents - Visa and Passport are essential documents during an International trip. Opting for an International travel insurance ensures that you have the necessary financial backing to reapply for interim or replacement documents as and when necessary.


·         Trip Cancellation Cover - A sudden death in the family or a medical emergency may play spoilsport with your travel arrangements. Thankfully, an International travel insurance plans support trip cancellations in such events. You can claim financial assistance to pay penalties and cancellation charges for flights, hotels, etc.


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