People mostly presume that pre planning a trip is the only means of ensuring all goes well. So, we see those booking hotels, flights and making other arrangements for travel. But the most important thing they forget is their safety. Staying secured on the trip will ensure your trip goes as planned. There are several travel discrepancies and risks that you could run into especially on a trip abroad. Travel insurance is the best means of making sure all goes as smooth as planned.

A travel insurance plan essentially insured your trip from all the conceivable risks you could run into. It is sad that travellers mostly consider it to be an additional expense and drop the idea of seeking one. But in reality a travel insurance policy saves one from a lot of sudden expenses both medical & non medical in abroad.

Want to know how? Read on –

Cover for medical emergencies –
A trip abroad exposes you to different climate conditions and cuisine as well. This can have adverse reactions on your body. A medical emergency abroad can be difficult to handle. With travel insurance you can be sure that any health crisis you face will be handled effectively. The policy covers the cost you bear in the medical treatment and also provides medical advice on call, books appointments and handles the hospital admission formalities. In case your condition worsens and you need to be sent back to your home country, the insurance has that well covered as well. You can also avail cashless facility and financial aid in case of accidental death/dismemberment of organs.

Cover for loss of baggage & travel documents –
Loss of baggage is a common crisis you could face on your trip abroad. Also, the threat of losing travel documents haunts every traveller. A travel insurance plan has this aspect well covered. The policy reimburses cost for purchasing emergency clothing and toiletries, plus delay of baggage is also well covered. If you are trouble with loss of travel documents then you receive complete assistance and reimbursement from the company to make your travel documents again.

Cover for legal liability,
This is another very important cover that travel insurance offers the policy holder. In case you encounter a legal emergency abroad, the policy assists you with an attorney to handle the legal formalities and also reimburses the cost for the same.

Cover for flight delay –
Delay in commencement of journey can be due to multiple reasons such as technical snag, connecting flight delay, bad weather , flash strike by employees of Airlines etc.,

While short delays can be tolerated, sometimes delay may even be more than 12 hours which shall be an absolute inconvenience to travellers. Travel policy offers reimbursement of essential clothing, toiletries purchased in case there is no alternate travel arrangement made. Delay due to failure to check in time by traveller & negligence of travel agent are however outside ambit of cover.