5 Questions to Ask Before Purchasing

It’s always good to have someone by your side when you are away from your home.  

Foreign trips always bring pleasure. However, it comes up with different challenges, awkward situations, and medical emergencies.  Travel insurance plays the role of a saviour that gives extensive coverage during an emergency in a foreign country. It covers your medical and non-medical risks so that any extra expense cannot deplete your travel budget. It gives you peace of mind, so you can enjoy your trip without thinking of any untoward situation. Therefore, it’s always wise to secure your travel with the right overseas travel insurance. So, let’s have a look at some nifty questions that you should ask before purchasing travel insurance.

1: Are all the travel insurance policies the same?

The basic coverage of the different types of travel insurance can be the same, but plans, exclusions, claim settlement, and benefits vary from company to company. It would help if you always asked to travel insurance advisors about the different plans and their features before finalizing.   

2. Does international travel insurance cover pre-existing diseases?

Renowned travel insurance companies like Tata AIG, Bharti Axa, HDFC Ergo, Religare Health Insurance, etc. cover pre-existing conditions as well. Now, you can go to foreign countries even if you have any pre-existing diseases like diabetes or hypertension. 

3. What does it cover?

You will be glad to know that comprehensive travel insurance covers your medical and non-medical risks. It gives you baggage coverage, medical coverage, travel, and additional coverage.

4. Can I buy international travel insurance online?

Yes, it is very easy. You can buy travel insurance online. Visit the official websites of several travel insurance companies, enter the required details, opt for the right plan, make the secure payment, and get your policy in a short span. 

5.  Do I get a cashless hospitalization facility in a foreign country?

Yes, you can get a cashless hospitalization facility in a foreign country. You have to inform your travel insurance company about your hospitalization within the stipulated time. You need to also submit the required documents. However, there are some injuries, diseases, situations, medical procedures that come under policy exclusions. You cannot get the claim for the same. So, go to the fine print thoroughly before filing the claim.

Benefits of Travel Insurance

International travel can bring lots of surprises, but if you have travel insurance, you can take a sigh of relief. Here are the benefits that you can get under your region-specific travel insurance:

  • In-Patient and Out-Patient Treatment
  • Cashless Hospitalization
  • Medical Evacuation
  • Air Ambulance
  • Daily Allowance for Hospitalization
  • Personal Accident
  • Surgical Dental Treatment
  • Treatment for Mental and Nervous Disorders 
  • Treatment for Alcoholism and Drug dependency
  • Reimbursement for Trip Delay/Cancellation/Interruption
  • Assistance in Loss of Passport and Loss of International Driving License
  • Emergency Cash Advance
  • Cover Accidental Death and Personal Liability
  • Up-gradation to Business Class
  • 24X7 Customer Service Support

Suggestion
So, if you are planning for an international trip post-COVID-19 lockdown, you must opt for travel insurance first. You can get the options for several types of travel insurance online. You can easily buy travel insurance online. It protects you from a spiral of debts that occur due to a medical emergency, trip cancellation, loss of baggage, or passport, etc. For some countries it is mandatory. However, it’s always wise to opt for it. Stay protected. Stay safe!

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