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5 Things to Know About Travel Insurance Natural Disaster Coverage

We all excitedly wait for the trip date to arrive; every little thing is very nicely planned. Be it the flight booking process, choosing best rated hotels and chalking out the most talked about places to see. Each and every aspect is meticulously planned, to ensure a smooth travel experience. However many of us fail to add travel insurance to our checklist. Whereas travelling without a travel insurance may jeopardise your plan and impact your finances, if you land in an emergency situation. Most importantly, natural disasters are unpredictable and may not come with a prior intimation. You have to be prepared to deal with it and take necessary safety measures.

God forbid, if natural disasters affect your health and well-being, it’s important to get quality medical attention at the foreign destination. Medical expenses at overseas destination are quite high as compared to that in India. Paying off heavy bills may create financial deficit or you may have to bear with substantial medical treatment. To deal effectively against these emergencies, travel insurance plans are conceptualised. Travel insurance plans are designed to offer a wide range of benefits and ensure a glitch free travel experience. Be it a delay in receiving checked in baggage, loss of passport or documents or flight delays, each of these difficulties can turn on the panic mode. However, these issues can be dealt in a much better way if your travel insurance is in place.

Does travel insurance covers natural disaster?

Travel insurance is meant for covering all types of uncertainties that might come your way and interrupt your well planned vacation. Similarly, travel insurance offer natural disaster coverage. Be it a flood scenario or earthquake impact, due to which you might have faced injuries, under such circumstances travel insurance covers natural disaster impacts. Your flight might get delayed due to a natural disaster, whatever expenses you incur during the interim duration your travel insurance offers coverage. Many insurance companies offer cover for medical evacuation and repatriation.

Various natural disaster - covered and excluded

Natural disaster is defined by travel insurance plans as “a flood, fire, hurricane, tornado, earthquake, volcanic eruption, blizzard, or avalanche that is due to natural causes.” However, it’s important to note that not all of these disasters are included in every plan’s description of coverage. Some travel insurance for natural disaster specifically excludes events like volcanic eruptions and avalanches, for example, classifying them as ‘acts of God’ instead.

Benefits of buying travel insurance covering natural disasters

Buying a travel insurance that covers natural disaster will provide a sigh of relief and keep your travel worries at bay. It will also protect your finances and help you reach home safely. In case you lose your passport while travelling, many travel insurance companies such as HDFC ERGO helps you in recovering your lost passport. Hence, if you are still thinking which travel insurance covers natural disasters? Then, choose HDFC ERGO Travel insurance and enjoy a risk free vacation.


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