Going on a Trip? Here’s Why You Should Buy Travel Insurance Policy

Going on a trip, especially when it becomes an overseas trip, can be real fun. But wait, in this world of uncertainties whether nationwide or abroad, maybe for business, vacation, or leisure, all sorts of trips require extensive preparation to ensure a fruitful, safe and satisfactory journey. That’s why the need of the hour is the travel insurance company which becomes mandatory and an essential part of traveling.

All the travelling includes a lot of expenses which are almost prepaid. So it is required to assess the risk of unforeseen expenses that may arise suddenly during the travel on a foreign land. The travel insurance company is a tool in hand that not only provides a guarantee net against such risks but also safeguards against other travel-related issues and emergencies that otherwise could spoil your trip.

Here’s why you should buy a travel insurance policy

Sudden medical emergencies:

No matter how magnificently one may plan a trip many things may go the wrong way while travelling which can make us feel helpless and vulnerable in a foreign location. A severe medical emergency that may arise in a foreign land may make your trip terrible.

The cost of medical expenses on foreign soil may not be in one’s budget and one may not be left with any option to incur the expenses. This may prove to be financial stress during the trips, thus making the whole experience a nightmare. This is where the travel insurance policy comes to your rescue.

It offers coverage for such medical requirements on foreign lands which could otherwise result in a disaster. A comprehensive policy covers risks regarding minor patients to life-threatening and severe medical experiences. Added to this there are plans and pre-existing ailments that may include the coverage of expenses abroad and may even allow treatment in the home country.

Coverage of personal liability:

Sometimes an emergency may arise due to the sudden damage caused to the third party [person or property] by the travelers wherein the expenses has to be borne by the insured. Some insurance companies also offer a benefit called Personal liability wherein the expenses are covered by the company.

Travel-related emergencies:

Travel insurance companies provide financial support for many non-medical emergencies like losing a passport, laptop, international driving license, and checked-in baggage or trip delays owing to bad weather missed flights or unutilized hotel reservations. Some even compensate the visa fee in case of rejection. So the best by your side is to have travel insurance to tackle the situation in a better way.

Someone in an unfamiliar zone:

This insurance offers 24×7 customer support for claims overseas. Sometimes unfortunately one way land in an unknown place. No matter where one is in case of any medical emergency immediate assistance is provided for medical health, rushed to the nearest hospital, or guidance on the process of the reissue of travel document. This is made totally hazel-free for the insured customer. By the local medical provider and the related authorities.

Mandatory requirements:

In a few countries [compulsory] for the visitors to have a travel insurance. You have to be careful in checking out the documentation including the travel insurance before going to certain foreign lands otherwise at the immigration counter you would be informed that your entry in that foreign land has been prohibited due to the absence of insurance. So make sure before travelling abroad make sure whether or not your destination country has travel insurance as a pre-requisite condition for entering the land.

Analyzing the above-mentioned points Care travel insurance company has come out as the leader in the field. It is one of the renowned insurance providers in India. When it comes to offerings, care health insurance tends to deliver a lot of products in the retail segment such as critical illness cover, personal accident cover, top-up cover, maternity cover, in addition to group health cover and group personal accident cover for businesses.

Key features of Care travelling insurance

1. Region-specific plans, hence low cost and high features.
2. No upper age limit. No per ailment limit.
3. Automatic doubling of the sum insured in case of hospitalization due to an accident without any extra costs.
4. Schengen approved Travel Insurance
5. Pay per day rates instead of slabs, hence low cost.
6. Cashless claim settlement.
7. Upgradation to business class.

Additional coverage of travel insurance 

1. Maternity and newborn cover
2. Vision care
3. HIV/AID’s cover
4. Self-inflicted injury
5. Adventure sports injury

Complete pre-existing disease covered in life-threatening medical conditions.

With these services Care travel insurance company may prove to be an asset to travelers travelling to foreign locations. The lack of knowledge and awareness may create problems during a trip to a foreign land. So it’s better to be aware of the necessities and compulsions as per law. In order to save oneself from unnecessary obligations and expenses one should plan the trip and its pre-requisites beforehand.