Travelling has become a leisure activity for many and many
feel there is a need to travel to rejuvenate them. Around 81% of the searched
topics in internet is related to travel.
Most of them had started to travel locally and internationally due to
great discounts they get on the air travel and also on room rentals. In India
we have got makemytrip, yatra, goibibo etc which offers great package on
international travels and they also provide hotel room arrangements. In
addition we have got AirBNB which offers free available rooms to lodges to
villas at various prices.
All these online companies make great arrangements from your
day of travel to the arrival back at your home, but there may be sudden
unprecedented things may happen as the city is new to you and no one you can
rely on. These online Travel insurance will help you in getting things settled
quickly, it can be either trip cancellation, missed flights, medical expenses,
theft to your belongings etc
Things to check;
Read the inclusion and exclusion list carefully as it cannot
be questioned during emergency and it is the buyer’s remorse. Below is some of the
important inclusion items which you must check,
- Personal Accident
- Medical Expenses
- Loss of Passport
- Delay in flight
- Cancellation of trips
- Baggage Lost
- Risks while travelling abroad
Exclusions are common items like loss must be reported
within 24 hours to the local police, delay of baggage, any medical complication
arising out of existing medical condition of the insurer etc
Will I get return of my premium?
Suppose if your travel plan is cancelled before you start
then the entire premium will be returned with small cancellation charges. If
the trip is shortened then the proportionate amount will be refunded if the
claim is submitted within stipulated duration prescribed by the insurer.
Other than these conditions the paid premium will not be
returned to the insured. Suppose if the insured completes the travel safely
without any hassles, then also the premium will not be refunded.
Raising claim or reaching insurers;
If there is emergency situation in your traveled city, you
can call the emergency number provided by the insurer and explain them of your
situation. Cash will be settled immediately to the hospital in case of medical
emergency and if there is a need for cash it will be settled through the
account number provided if you possess an international travel card.
