5 Reasons Why Travel Insurance Is Important?

Many of us travel abroad, but do we always opt for travel insurance? We constantly keep asking ourselves various questions like is travel insurance necessary, are travel insurance plans worth it or why buy travel insurance when we can be alert of our surroundings and remain careful always? Well, the answer to these questions would be “life is full of uncertainties”.  While travelling alone or with your family, you are exposed to certain risks. These risks could be related to health, luggage or your important documents. Hence, it is essential to cover all possible risks before travelling to ensure a hassle-free travel plan. A good travel insurance plan can relax your financial risks and help you at an overseas destination where you are not known to many.

5 Reasons which proves the importance of Travel Insurance: Understanding the importance of travel insurance will give you reasons to “why buy travel insurance?”

Fallen Sick

Though we all take precautions to ensure our vacations run smoothly as planned, life doesn’t move as planned. Unexpectedly, if you fall sick and need medical help urgently whilst your travel duration it will cost you a fortune. Hospitalization expenses and medical charges shall create a financial imbalance. Most of the travel plans cover hospitalization expenses, in case you fall sick hence it is very important to opt for travel insurance plans for your international travel plans.

Delay or Loss of Checked in Luggage

In case you don’t receive your checked-in luggage on time or it gets lost in transit, travel insurance covers such contingencies as well. Most of the time airlines deliver poor responses and asks you to wait for 24 hours or simply keeps locating the baggage; hence under such a scenario travel insurance could act as a saviour.

Flight delays

Delay in flights or rescheduling of flight is a common scenario during international travel. In case the aircraft is delayed for more than 6 hours then the we reimburse the amount spent on purchase of meals, refreshments etc. subject to submission of bills.

Loss of Passport or other important documents

In the event that the passport belonging to the insured is lost, the insured is reimbursed the actual expenses incurred in obtaining a duplicate or fresh passport.

Personal Accident

In case of a personal accident, HDFC ERGO pays compensation for accidental death or permanent total disability on the insured person.

Other host of benefits

Emergency Dental Treatment, Loss of Baggage & Personal Documents, Repatriation, Loss of Checked Baggage, Delay of Checked Baggage, Personal Liability and Hijack Distress Allowance.

These are the prominent benefits that one gets to enjoy by buying travel insurance, there are various other covers depending upon the countries, travel duration and number of members covered.

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