What is Travel Insurance?

             

                                                                                       [Image source : enrichhospitality.co.in]

Tourism has grown in a great way over the years and the growth of online travel companies has proved it right. For many touring a new domestic city or international city is new and may fear unwanted things happening during the travel. Loss of passport or money during transit or traveling in the new city may bring in lots of risk if we don’t have any contact in that city. Make your travel completely risk free with Travel Insurance, I believe many would have noticed while booking flight tickets

that there will be a check box to tick to opt for insurance during travel, they will be charging you a nominal premium. It protects you from baggage loss, sudden medical emergency, theft, loss of passport etc.

What will be covered in my Policy?

The common coverage which you can see among insurance companies are medical emergency, emergency evacuation, repatriation remains, return of minor, trip interruption, trip cancellation, accidental death, funeral expenses, travel delays, hijack etc.

The optional coverage may include travel to high risk countries, additional AD&D coverage, sports with an element of risk, pre existing conditions.

Who provides this in India?

All leading insurance companies provide travel insurance in India and many will be opting while booking their air tickets via online. ICICI, HDFC Ergo, TATA AIG, Royal Sundaram, Reliance General offer this insurance policy.

Different Types to choose from

Domestic, International, Corporate, Student, senior citizen, family and individual travel insurance are different types currently being provided by leading insurance companies. People can choose based on their needs and with whom they travel

Exclusions

There are common exclusions like flights\trains missed due to local war; expenses incurred due to local war, pre existing conditions leading to medical emergency, damage or loss of keys, baggage delay which may be less than 24 hours.

It is best to choose the best travel insurance plan which provides comprehensive coverage, as all will have a small difference. Travel brings in peace of mind if it is hassle free and planned everything n advance and everything works as per the plan. Have a best travel insurance to have a risk free enjoyment.