Friday, 4 July 2014

Travel Insurance

We put a lot into planning the perfect vacation abroad. However, to make sure that our vacation is a complete success, travel insurance is an absolute necessity. Your trip abroad should be without hassles and worries, and a comprehensive travel insurance policy provides you with the same. Whether you lose your baggage or passport, or even need some medical support on your trip, overseas travel insurance will make sure you get what you need. Go on your vacation without any worries in the back of your mind, buy a travel insurance policy. 

Before setting off on a trip, you take painstaking efforts to make sure everything goes exactly the way you plan. Too bad, even circumspect travelers become callous when it comes to buying travel insurance. But buying a travel cover is imperative; it is after all your safety net against unforeseen circumstances and crippling costs following them.

Types of Travel Insurance Coverage:
There are different types of coverage available, and you can compare travel insurance and choose the one that suits best for your specific needs.

Domestic travel insurance
Domestic travel insurance provides coverage for medical emergencies, permanent disability and death, checked-in lost/stolen baggage, travel delay and personal liability.

International travel insurance
International travel insurance gives a comprehensive coverage for medical expenses overseas, hijack, baggage and travel delays, repatriations/evacuation to India, and loss of travel documents/passport besides the usual coverage.

Corporate travel insurance
Under corporate travel insurance India, employees of an organization can get coverage for both international and domestic trips.

Student travel insurance
There is minimum paperwork involved in student plans. The coverage is comprehensive and provides for expenses incurred on medical treatment, passport loss, and study interruptions. 

Senior citizen travel insurance
Senior citizen insurance is for people who belong to the age group 61-70. It includes coverage for dental treatments and cashless hospitalization besides the usual benefits associated with travel insurance. 

Family travel insurance
Family travel insurance covers hospitalization, baggage loss, and other incidental expenses. The claim disbursement is easy with minimal paperwork involved.

Individual travel insurance
Through individual insurance, you can get coverage against cancellation of trip, home burglary and trip curtailment.

Key Features of Travel Insurance 

Online travel insurance is all about providing travelers an ideal cover against emergency / unforeseen situations right at the comfort of home. There are certain key features which one should look out for while zeroing on a plan.

• Coverage for in / out patient hospitalization along with daily allowance. 

• Personal accident cover in case of permanent disability/death. 

• Coverage for contingencies related to personal possession. 

• Coverage for loss of baggage and passport. 

• Coverage for expenses related to trip delays. 

Benefits of Travel Insurance
The usual qualms of frequent travelers include lost passports, stolen bags, trip delay and cancelled flights. Such mishaps can derail perfectly laid out plans instantly. Do not let inevitable events ruin the entire getaway. Travel insurance is your friend in need when emergencies strike, whether in your native country or in unknown territories. n a foreign land. Get enough compensation to return home or cover untimely expenses as and when they occur! 

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