Ensure What Your Travel Insurance policy Covers

Traveling is one of the most interesting experiences everybody wants to have. None of us really wants to think about something going wrong while we are enjoying a stay near to sea, sun, and sangria. The fact is that some of us happen to witness some sort of problem while being away. It can be lost luggage, financial problems, delayed or canceled flights, natural disasters, or a medical emergency. This is where travel insurance policy comes to play a big role. When you travel overseas, it needs to carry an international travel insurance plan with you. It protects you against unforeseen events.

Which kind of travel insurance is right for you?

Insurance companies offer different types of travel insurance policies online such as trip cancellation insurance to emergency medical evacuation, etc. It is imperative to know exactly what your policy covers and does not cover before you purchase. Also, it is wise to buy the policy from a reputable company.

What Your Policy Should Cover:

There a lot of things your insurance plan covers. Here is a list of cover -

• Make sure the plan includes health cover – medical expenses, dental treatment, transportation, hospitality daily allowance.
• Also ensure that you are under cover when you happen to lose destruct all the property insured under the policy. The policy should cover the loss of baggage, and delay of baggage.
• A good online travel insurance plan covers hijack distress allowance
• It also protects you against loss of passport
• There are many other things such as Financial Emergency Assistance Cover, Personal Liability and Personal Accident, etc.

What a Travel Insurance Policy Does Not Cover:

There are many things that the insurance policy generally does not cover. They are:

• Any claim relating to events which have occurred before the commencement of the cover. It does not cover any claim in the following case. If the policyholder travels against the physician’s advice,receives or on a waiting list for specified medical treatment declared in the physician’s report or certificate or In case has received a terminal prognosis for a medical condition. Takes part in a Military, Naval or Air Force Operation

• Any claim which arises due to illness or accidents that policy buyer causes intentionally.
• Any claim which arises because of mental disorders, stress, anxiety, depression, or any loss arising directly or indirectly from any injury, illness, death.

There are many more things that your policy may not cover. It depends on the company from where you have bought the plan.

Hence, before purchasing a travel insurance plan, know what the policy covers and what it does not. You can know it online.