4 Situations When You Need Travel Insurance

Travelling provides new experiences, exposes you to other cultures and customs, and often gives you a new perspective on life. Whether you are traveling with your family or alone, you want the trip to be fun filled and invigorating.

What you do not want is to encounter trouble while you are visiting distant places, cut off from your familiar surroundings. However, unexpected situations do come up, and you need to be prepared for them. Accidents or illness, theft, and problems with flight delays- any of these might interrupt your carefully planned tour.

When You May Need Travel Insurance

Traveling abroad? Your time spent away from home should be filled with good times and great memories. You do not want to spend the time worrying about things that might go wrong. If you have taken out an international travel insurance policy, you can focus on enjoying your journey. Here are some situations where travel insurance can be handy.

Accidents or Illness

While nothing might go wrong on your trip, but if something bad were to happen and you suffer an injury or fall ill, hospitalization and related medical expenses can result in huge bills. Especially if you are traveling in Europe or the US, where medical expenses are exponentially higher than back home. A good travel insurance policy will take care of such a contingency and a major portion of your medical expenses will be covered by it.


If you do get into such a situation on your journey, a travel policy that provides hijack coverage provides a bit of relief. The insurance pays a distress allowance for each day that you are trapped in the hijacked flight. This provides a certain level of compensations for an experience that is extremely stressful, not just for you, but also for your loved ones who are anxiously waiting for you to come back unscathed.

Financial Emergency Assistance

If your hotel room is burglarized, you are robbed or your wallet is stolen, then you’ll be glad to know that your policy will also provide assistance for these incidents. Loss of travel funds is nothing to laugh about. Financial emergency assistance also helps during loss of travel funds.

Personal Liability

Accidents happen, and sometimes, you may not be the victim. You can be held liable for damage or injury caused, in such cases. You might be involved in a mishap that resulted in injury to someone or damage to someone’s property. Your child might accidentally break something valuable and you could be faced with having to compensate the owner for the object’s value. If your travel insurance has a personal liability cover, like the one provided by HDFC ERGO travel insurance, you can breathe a sigh of relief. The policy will provide you with monetary compensation, allowing you take care of the expense involved in these situations.

Travel Insurance And Stress Free-Trips

There are so many contingencies where you might need the assistance provided by a good travel insurance policy. Your travel plans should always include travel insurance so that you can enjoy your vacation without worries. Whether you suffer baggage loss in the airport, face dire situations like hijacking or accidents- this policy ensures that you will not have to bear the full extent of the costs involved. Be insured, and enjoy your travels.

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