We always advise our clients to undertake travel insurance before travelling abroad. Travelers usually do not understand the importance of this and in a hurry they forget to insure themselves and their families.

Like your passport and visa, travel insurance is the third most important document while travelling. We have tried to address some queries clients usually ask us.

  1. Travel insurance is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one’s own country
  2. Travel insurance can usually be arranged at the time of booking a trip to cover exactly the duration of that trip, or a multi-trip policy can cover an unlimited number of trips within a set time frame
  3. Some policies offer lower and higher medical-expense options; the higher ones are for countries that have extremely high medical costs, such as the USA
  4. Schengen countries require compulsory insurance to be able to apply for the visa

Common risks that are covered by travel insurance plans are:

  1. Medical emergency
  2. Cancellation, curtailment and trip interruption. This covers any unused travel and or accommodation costs, pre-paid charges (including any additional travel expenses incurred, provided they are deemed reasonable and necessary) if a trip is cancelled or cut short under a variety of circumstances, which may include any of the following, depending on the policy – death, physical injury, illness, disease, or pregnancy complication,  compulsory quarantine,  being called as a witness,  termination of employment (provided you did not know about it before you booked the holiday),  being called up if you are a member of the armed forces or other public defense or safety organization,   prohibition of travel by the government to the intended destination,  officially recommended evacuation from the intended destination,  official advisory against going to or remaining at the intended destination
  3. Repatriation of remains
  4. Return of a minor
  5. Trip cancellation
  6. Trip interruption
  7. Visitor health insurance
  8. Accidental death, injury or disablement benefit
  9. Overseas funeral expenses
  10. Lost, stolen or damaged baggage, personal effects or travel documents
  11. Delayed baggage (and emergency replacement of essential items)
  12. Flight connection was missed due to airline schedule
  13. Travel delays due to weather
  14. Hijacking Medical expense coverage can be per-occurrence or maximum-limit

Write to us at itravel@theholidaycompany.in