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Can I be insured against COVID-19 when I travel abroad?

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Published on March 17, 2021 | Est Read Time: 3 min

Choosing to embark on overseas travel whether for leisure or business comes with extensive preparation so one can ensure that their journey is both safe and fruitful. With COVID-19 to keep an eye out for, travel has become a lot more stressful than before. Many choose to buy travel insurance online as it is known to help ease the burdens of travel that come with lost luggage or missed flights, but what about COVID-19?

Will travel insurance policies cover covid-19 if you travel abroad?

How essential is travel insurance today, with an ongoing pandemic? The answer: very. Travel insurance covers you against COVID-19 as well. Hence, it is not only a safety net against the risk of having to pay for unexpected medical emergencies, but it also safeguards one against other travel-related emergencies like losing your luggage or passport.

Significance of Travel Insurance

Here are some key benefits of getting your travel insured. Buy travel insurance online which is not only helpful but also incredibly streamlined for those planning to go overseas.

1. Protects you against unforeseen medical expenses

Despite how carefully we plan, there are countless ways in which a trip could go wrong, many of which are out of our control. These experiences can make us feel vulnerable when traveling to a remote or foreign location. In addition to this, incurring a cost for a medical emergency that one did not budget for can also result in financial stress, which can further sour the holiday experience. Insurance for traveling covers you against any medical emergencies on a cashless basis.

To add to this, health care costs overseas can be three to five times higher than what it is in India, depending on the location you choose to visit. A visit for an issue as small as a business meeting can turn out to cost a lot, especially if one is not equipped with insurance. Opting to buy travel insurance online will not just cover minor out-patient expenses, but also life-threatening situations and pre-existing medical conditions. Overseas Travel insurance plans offer services such as air ambulance, medical evaluation, and even for treatment to be completed in one’s home country after their return.

2. Round the clock customer support

Travel insurance also offers round-the-clock customer support for overseas claims. It can prove to the friend one needs when trying to bridge both language barriers and geographical constraints. No matter one’s location, with the right travel insurance policy, one can be sure of the fact that there will be a dedicated team that is available for support in case of any travel-related or medical emergency.

Buy travel insurance online so you can be assured of its immediate assistance, be it for admission to the nearest medical hospital, guidance regarding the process for reissuing any misplaced travel documents, and more. This process is to apply for completely paperless and hassle-free as the customer care from one’s insurance policy tends to work with the medical authorities of the country directly.

3. Coverage for personal liability

Sometimes certain medical emergencies can involve damage being inflicted upon some third party (a person or a property). In this, some expenses would have to be borne by the insured party. As coverage against this potential outcome, travel policies also offer a benefit known as ‘Personal Liability.’ This type of plan allows the insurance company to cover any expenses for third-party damages.

4. Logistical emergencies

At some points, non-medical emergencies like losing a laptop, international driving license, passport, checked-in baggage, or trip delays can lead to a missed flight or an unused reservation. Choosing to buy travel insurance online can provide financial support during any of these financial exigencies. Some insurance plans also offer compensation for one’s visa fee in case their visa is not accepted by the country’s authorities. This is why it is best to have travel insurance by your side so you can tackle these issues without dipping into savings.

Conclusion

Travel not only provides a safety net against the risk of contracting COVID-19 or having other unexpected medical emergencies, but it also protects one against different travel-related emergencies like losing your luggage or passport. Traveling is no longer cumbersome as one’s insurer will typically deal with medical authorities directly, in case of medical exigency. Finally, it also covers third-party injury or property damage.

Disclaimer:  The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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