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Want to enjoy stress-free vacation? Buy Right Travel Insurance Policy

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Travel Vlogger, Vidya Arora finally was ready to head for her dream trip to explore Arunachal Pradesh. She did all the research to figure out the logistics and itinerary. After making the bookings and packing, she set off with high hopes. On arrival, she could not find her luggage on the conveyer belt and that is where her nightmare began. She like many others travelling domestically didn’t  imagine that her baggage could be misplaced. Now in all her planning she never once considered to insure her trip with travel insurance even when prompted to do so. Never in any of her travels had she faced such an unwanted situation and so she assumed it never would.

How many of us like Vidya have suffered financial loss because we chose to ignore the risk associated with travel? When after paying a small premium, you can book  travel insurance online and leave all the stress and worry behind while travelling so why would you not?

In this article, we share with you three reasons how the right travel insurance can save you from mental and financial stress!

Secure your baggage and personal documents:  Let us start with this one. If Vidya had availed of  travel insurance online , then her insurance provider would have duly compensated her for the loss. Apart from baggage loss, depending on the kind of travel insurance you opt for, the service provider will all cover losses in case of baggage delay or being misplaced. Compensation for any essentials that you purchase while you wait for the arrival of your baggage is also covered in this policy. If you travel abroad and lose your passport, then the expenses incurred while the insurance provider would shoulder issuing a new one as well.

Secure your health:  What do you think that when on vacation you cannot face a medical emergency? Well, you are so wrong. Medical emergencies can occur at anytime and anywhere no matter your age or sex. Therefore, it is wise to be prepared for it with travel insurance, as this policy will take care of all your hospitalization expenses. If an unfortunate accident causes permanent disability, the policyholder is paid the compensation. The medical coverage in overseas travel insurance also includes cashless treatment facilities during emergencies and also pays for medical evacuation via air or road if needed. There is also provision for hospital daily cash allowance for reimbursing extra expenses during hospitalisation and even your extended hotel accommodation is also taken care of while you recuperate.

Secure your journey: Last, but not the least is journey-related coverage advantage that you get with travel insurance. Victim of robbery or theft while travelling? The emergency financial assistance will kick in and all your expenses will be covered.  Your policy also takes care of the expenses incurred due to flight delays and even pays for accommodation if circumstances require you to stay longer for unavoidable reasons. It also pays for legal support when and if required. If you are accidentally liable for any third-party damages, the insurer compensates for the same.

Hope we have convinced you as to why travel insurance is a must on both domestic as well as international travel. Now, here are some tips on how to secure the right insurance plan-

• Understand your travel requirements and only then start your search for travel insurance.
• Do not select the first travel insurance plan that you come across, do thorough research and compare plans on parameters such as cover inclusions and exclusions, premium, terms and conditions.
• If you are not confident, then take the help of an insurance agent who will guide you to take the right insurance policy.

Conclusion

Stress-free travel begins with travel insurance. Travel insurance online makes it convenient for you to book one from your home. HDFC ERGO offers a variety of travel insurance plans that have extensive coverage and can seamlessly fit your budget. Most importantly, we not only make the claim settlement process quite transparent and smooth, but also have a high claim settlement ratio. Now, get busy packing your bags!