Knowledge Centre

Top 5 Myths About Travel Insurance

We are going to talk about top five myths about travel insurance to clear your doubts about travel insurance policies. The following list will also explain to you why you should never travel without a travel insurance policy.

Myth 1. Nothing is going to happen to me

Well, we hope not. But life as we know is uncertain. While you may have travelled overseas about hundreds of times without a problem, that does not mean you take things for granted. There are a host of unforeseen occurrences that can ruin even well-planned trips. Some of which are flight delays, an illness or an unsuitable weather condition which may cause hospitalisation. This is a very common myth  of people who are travelling abroad, especially for the first time.

Myth 2. I am Covered at home. So, I don’t need to spend more on an additional policy

It is important to know that your regular health insurance plan does not cover the cost of travel related risks. Besides, what happens if you are stuck with a natural disaster on your trip abroad or your flight gets cancelled due to poor weather conditions? If you don’t have travel insurance to cover these occurrences, you may end up losing a lot of your hard earned money since these expenses will not be reimbursed. So, it is extremely important to buy travel insurance for international trips.

Myth 3. I don’t need travel insurance as it offers coverage only in case of a disaster

This is another one of the common myths you come across regarding travel insurance. But the right travel insurance policy offers you coverage not just for disasters but also any small mishaps like losing your baggage or changing your flight schedules, and delays thereby.

Myth 4. Travel insurance is important only for people who are participating in adventure sports

It is true that a travel insurance plan is a must for those who are going to be participating in risky adventure sports activities like ice climbing, sky diving etc. But, they are not the only ones who need a good travel insurance plan. Anyone is at the risk of accidents or sudden illnesses.


Myth 5. Medical costs are cheaper overseas. So, if I need treatment, I can pay out of pocket

Medical treatments in an outside country can literally burn a hole in your pocket. So, if you are travelling abroad, it is important that you have valid travel insurance with medical cover to take care of your medical costs in case you fall ill. You can find a suitable travel insurance to buy online by visiting HDFC ERGO website.


The facts contrary to the myths will surely be helpful when you are mulling over buying a travel insurance plan the next time you travel overseas.


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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