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Should You Buy Travel Insurance When Travelling Abroad ?

July 2024

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Should You Buy Travel Insurance When Travelling Abroad?

If you are planning a visit to some international place, apart from taking care of the visas and other things, should you consider checking travel insurance? Well, this question of whether to invest in travel insurance may have bothered many at times. While some travellers might see it as an additional expense, the value and peace of mind that travel insurance can provide during international trips can also not be underestimated.

If you need more reasons to convince you, here are some.

  • Medical Emergencies

  • One of the foremost reasons to consider travel insurance is the potential for unexpected medical emergencies. A sudden illness or injury abroad can lead to exorbitant medical expenses, potentially straining your finances. Travel insurance service often covers medical treatment, hospitalisation, and evacuation costs, ensuring you receive the necessary care without worrying about the financial burden.

  • Life is Unpredictable

  • Unforeseen circumstances may force you to cancel or cut short your trip. Travel insurance service can safeguard your investment by covering non-refundable expenses, such as flight tickets, accommodation, and tour bookings in the event of trip cancellations or interruptions due to unforeseen circumstances like illness, family emergencies, or unexpected work commitments.

  • Lost or Delayed Baggage

  • Airline mishaps are not uncommon, and lost or delayed baggage can be a major inconvenience. Travel insurance providers often provides coverage for the replacement of essential items and clothing if your baggage is delayed or lost. This ensures you can continue your journey without the added stress of missing belongings.

  • Travel Delays

  • Flights can be delayed or cancelled due to various reasons such as weather conditions, technical issues, or strikes. Some travel insurance service in Thane offers compensation for additional expenses incurred during extended layovers, providing coverage for accommodation, meals, and other necessities until you can continue your journey.

  • Emergency Evacuation

  • In the event of political unrest, natural disasters, or other emergencies, travel insurance service providers can cover the costs of emergency evacuation. This ensures you have access to safe and timely evacuation services, allowing you a safe and hassle-free experience.

  • Personal Liability

  • Accidents can happen, and if you accidentally cause damage to property or injure someone while abroad, travel insurance may offer coverage for personal liability. This can be crucial in avoiding legal complications and financial repercussions in unfamiliar legal jurisdictions.


Importance of Buying Travel Insurance When Travelling Abroad

Travelling to a foreign land is a one-of-a-kind experience; one gets to explore new cultures, cuisines, places, and much more. Travelling gives a new perspective, adds new elements to one’s personality, and helps attain meaningful lessons. Travelling abroad requires meticulous planning, right from visas to tickets, from accommodation to itinerary, etc. One crucial component while planning a foreign trip is travel insurance, which people often tend to take lightly. However, good travel insurance service covers you against various exigencies that you may encounter on your trip and ensures that you enjoy a worry-free vacation. In the next few paragraphs

  • Protects Against Medical Emergency

  • The idea of meeting any medical emergency in a foreign land is every bit scary; getting stuck in such a situation in an unknown place not only spoils the trip but also marks a heavy dent in your pocket. This is where your travel insurance service provider will come to your aid. Travel insurance covers medical expenses that you have to incur if you fall ill, it also covers in-patient and out-patient hospitalisation expenses, and medical repatriation costs. If you have to undergo any emergency surgery or treatment, your travel insurance will cover that too. Apart from medical exigencies, the policy also covers accidents.

  • Covers Flight Delays

  • If, for any reason, your flight gets delayed beyond the minimum hours mentioned in your policy, then the policy covers you for various expenditures that you had to undergo due to the delay. These expenses include refreshments, meals, or other such necessary expenses. You will have to submit the respective invoice while filing for reimbursement.

  • Coverage Against Delay or Loss of Checked-In Luggage

  • Losing your bag while you are travelling is one of the worst things that might happen, it not only hampers your travel plan but also impacts your budget big time. The other major issue that might crop up is baggage delay. Imagine, you have landed in a new city and are all set to start exploring the new place; but, to your sheer distress, your baggage has not arrived yet. It may take anywhere between a few hours to a couple of days before you get your baggage. Your travel insurance will cover you against such events; the policy reimburses you for the money that you spent to buy essential things, because of the delay in the arrival of the luggage.

  • Loss of Passport

  • Nothing can be scarier than losing your passport in a foreign land as it is the singular most important document when one is overseas. It leads to a few additional complications and costs. Travel insurance covers you for the expense that you might have incurred to obtain a duplicate passport.


Trip Cancellation and Curtailment

If you have to cancel or cut short your trip due to any serious issue like the demise or accident of a close relative, personal health issues, or any such reason, then the policy reimburses you for the cost of non-refundable, prepaid expenses which usually covers hotel bookings and flight tickets. Your policy will mention the list of expenses that can be reimbursed and also the situations under which you will be reimbursed in case you cancel the trip.

Apart from these standard covers, some useful add-on covers like loss of personal belongings like a laptop, mobile, documents, etc., and adventure sports, are also available. You must also keep in mind that it is mandatory to have travel insurance while traveling to a few countries like Schengen countries.

Hope this article will help you understand the importance of travel insurance service and how it can come in handy if you meet any unfortunate event during your travel. So, while you plan your next big trip, do keep in mind to buy a travel insurance to ensure a worry-free trip.

To sum up, purchasing travel insurance is a must for every tourist. It offers complete protection against personal liability, trip disruptions and cancellations, lost or delayed luggage, medical crises, and access to travel aid services. Purchasing travel insurance service in Thane from a reputable travel insurance provider gives you peace of mind knowing that you have assistance in case of emergencies, protects you from unforeseen financial losses, and guarantees that you can receive the necessary medical care. Whether you're planning a domestic getaway or an international adventure, ensure you consult with tours and travels companies in Thane and explore options for Foreign Currency Exchange and comprehensive travel insurance to safeguard your journey. Consider reaching out to Crossword Holidays for your travel needs and enjoy a worry-free travel experience.




Also read: Top-Rated Tourist Attractions in Europe - Part 2



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