Medical insurance: There are many variables at play when you visit an unknown country, like accidents and illnesses, which can send you on an expensive hospital visit. But having travel insurance gives you the ultimate protection against these health-related variables, as you can claim the cost of the treatment or hospitalisation if required. Costs covered could include hospitalisation allowance, physiotherapy expenses, outpatient department treatments, tests, and consultations. A family member’s cost of flight tickets can also be covered if they want to visit their loved ones during such situations. Your stay in the country may also have to be extended due to medical emergencies, and the cost of lodging will be covered under travel insurance.
Emergency evacuation: Emergency evacuations may happen aboard due to a natural calamity, medical issues, or other unforeseen circumstances. Expenses incurred due to land and air emergency evacuations will be covered by the insurance so that the insured may make a quick exit from dangerous situations without having to worry about finances.
Disability: Any accident that takes place while travelling internationally and causes disabilities in the insured within 365 days from the time the accident takes place makes the insured eligible for compensation from the insurer.
Death and repatriation: If an accident occurs during the trip period and leads to the death of the insured within a year of the accident taking place, coverage will be extended by the insurance company. If the death happens during the travel period, the cost of transporting the mortal remains of the insured to their country of residence will be borne by the insurer.
Adventure sports injuries: Adventure sports enthusiasts on vacation are bound to pick up an injury or two if things go awry. Treatments for such injuries are eligible for reimbursement under travel insurance. This does not apply to injuries picked up from extreme or hazardous sporting activities.
What are some of the factors that are excluded from travel insurance?
Some insurers may not cover pre-existing diseases and the complications that may arise from the same during the trip.