3 Situations That Confirm the Need to Buy Travel Insurance

Most of the people who plan to visit foreign lands expect a new, different experience in life, and tremendous enjoyment. If you are also planning to visit a foreign land from India, you expect to bring back memories of time best lived there. But with new experiences in a distant land comes the risk of facing unexpected troubles. This is where the role of a travel insurance policy comes in, to safeguard you against possible problems such as critical illness or loss of luggage. Also, it makes you prepared for any unexpected situation, while you are busy enjoying your time to the most in a foreign land.

Given below are three unexpected situations that confirm the need to buy travel insurance while planning a foreign trip:

1.      You May Fall Ill When in a Foreign Land

Even if you have planned everything related to your foreign trip, you may fall ill or suffer from an injury. The cost of healthcare treatments or hospitalization can exceed the expected expense of your trip beyond bounds. But with a travel insurance policy bought in place, you can get the medical expense covered in it.

2.      Your Airplane May Get Hijacked

It cannot be predicted if the plane you will be traveling in, would get hijacked. But if you were to get into such a situation, overseas travel insurance bought will give you an allowance for the distress you face. This helps a lot in getting over the stressful experience.

3.      Loss of Luggage

One of the most common situations people traveling to foreign land face is of losing their checked in luggage. But having a travel insurance policy that covers such losses will make you feel relaxed while on a foreign trip.

A good number of contingencies can occur when you are traveling to a distant land, away from your home country. By buying travel insurance, you can avoid worries of all sorts during your foreign trip. So, be insured while you travel so as to ensure an enjoyable and comfortable foreign trip.

4 Reasons Why a Travel Insurance Policy is Beneficial

Be it for personal or professional reasons, travelling is an inevitable part of everyone’s lives. And with the increasing trends of travelling, there has been a significant rise in people buying a travel insurance policy. And why not, it provides coverage to the policyholder from various aspects.

Have a look at the following 4 reasons as to why buying a travel insurance policy is beneficial for you.

Accidents

A travel insurance policy covers the treatment costs if you injure yourself in an accident on foreign land. However, some policies also provide the third party coverage, in case you hurt another person or property in the accident. So, a travel insurance policy is beneficial as it provides coverage for treatment cost, in case of an accident.

Medical expenses

It is common thing for people to fall ill during travelling owing to the change in weather and environment and in some countries, medical cost is very expensive. Well, a travel insurance policy also provides coverage to the medical bills that you might incur when on foreign land in case of a medical emergency. However, it is important for you to disclose to the insurer if you have any pre-existing medical condition.

Loss of luggage or belongings

Sometimes, the luggage either get lost or stolen, and it might contain expensive items such as mobile phones, laptops, or tablets. In this case, you might suffer a huge loss. However, a travel insurance policy also covers the cost of the lost luggage.

Delayed flights

A travel insurance policy also provides coverage in case of a delayed or cancelled flight. Some travel insurance policies also cover the costs of the reason as to why you missed your flight such as public transport delays or vehicle breakdown.

Now that you know 4 reasons why a travel insurance policy is beneficial and important for you when travelling, you can buy the same to ensure you are covered against travel risks. There are many online travel insurance policy providers from whom you can buy the travel insurance policy with much ease and avoid any unnecessary hassles.

Travel Hacks to Know This Summer

Going on a holiday and want to simplify the travelling process? Follow these tips to make your travelling smooth, so that your vacation can be as relaxing as possible.

1. Booking and Travelling: 

• Scan your documents:

Scan your passport, ID, travel documents and itinerary and email it to yourself so that you have a copy of them in the event of a theft or loss.

• Private Browsing:

Use private browsing or delete your cookies when searching or booking flights online. Travel sites use dynamic pricing where they track your browsing history and increase the price of the flight once they know you are interested.

• Group Booking:

When booking for a group or family, start searching for tickets as a single traveller. If there a few seats left at a lower fare, you can get a partial deal.

• Try and book night flights/transportation: 

This not only saves money on accommodation but also, if you’re a power sleeper,    leaves you rested and refreshed as you reach your destination.

• Book your tickets in advance or last minute: 

If there are many vacant seats on the flight, you may want to wait and see if prices decline. If the flight is almost full or you’re travelling during the holidays, you may want to book your tickets as soon as you can.

• Check prices on international airlines: 

Prices of international airlines might be lower. Some airlines might even provide better amenities in economy. If you get a great deal, take it only if it is refundable.

• Don’t fly direct: 

Compare prices of nonstop flight tickets with connecting flights, as it can help you save significant amount of money.

2. Technology: 

• Pack a power charger:

 The last thing you want is you to be unable to use your device on a long journey because its battery is dead. Carry a power bank and universal adapter to charge your devices.

• Storage of wires:

You should store loose cables/chargers in a sunglass case to keep everything in one location. You can even wrap headphones or chargers around old gift cards to keep them tangle free.

•  If you forget to carry an adapter for your charger:

Check for a USB port behind the television in your room if you don’t have an adapter. Else you can borrow a charger for the duration of your stay, from the hotel.

• Use Wi-Fi and avoid charges on data usage:

Make sure your mobile data option is turned off and aeroplane mode is on. You can use free messaging applications like WhatsApp, Hike etc on a Wi-Fi connection. Google Maps is also available offline, to access this just type in ok maps into the search box while connected to an internet network.

• When travelling to beaches or water parks: 

Keep your devices in a plastic bag to prevent it from getting wet when you go to places where there is a possibility of you getting wet.

3. Clothes/shoes: 

• Making space:

Roll your clothes to save space and avoid wrinkles while packing.Use hotel freebies such as shampoo, conditioner, soap etc to make a little additional room in your carry-on luggage and save on money by not buying these extra commodities.

• Eliminating odour: 

Put the leftover hotel soap with the dirty laundry so that the suitcase doesn’t begin to stink.

• Packing shoes:

Pack shoes in shower caps to avoid soles of the shoes touching the clothes.

4. Beauty products: 

• Carry samples of your favourite cosmetics: 

The next time you go shopping for makeup or perfume, ask for samples which are convenient to carry while travelling.

• Buy a good sunscreen from home:

Many beach destinations sell sun block at very high rates, so carry your own travel friendly sunscreen in your cosmetic/toiletry bag.

• To stop bottles from leaking in your suitcase:

 Put plastic wrap over the container and fasten with the cap to avoid outflow of the bottles.

• Carrying as much lotion as is needed:

Pack moisturizer in contact lens containers instead of carrying the entire bottle.

5. Food: 

• Eat cheap: 

Buy food, water from local grocery stores. You not only save money but also eat like a local would.

• For discounts or deals:

Use apps like Groupon or read local newspapers or magazines to learn about what events are going on and get deals like the locals.

By using these easy hacks you can make your vacation relaxing and easy on the wallet at the same time.

Complete Guide: All You Need To Know About Travel Insurance

What is travel insurance?

As the name suggests, travel insurance is the insurance that covers the cost and reduces risk associated with unexpected incidents during domestic or international travel. travel insurance can help you out in many circumstances, like medical expenses, loss of traveling equipment, damage to rental properties, theft, legal expenses, trip cancellation etc.it’s not necessary that you’ll nee travel insurance at any point in time. But when you consider the high cost of travel and the potentially low cost of insurance, travel insurance is often a worthwhile investment.  The top three reasons you should do this are: peace of mind, protection against the unexpected and concern over losing the financial investment in a trip

There are four types of coverage included in travel insurance:

1. Trip cancellation and trip interruption insurance: This reimburses you non-refundable travel costs if your trip is cancelled or seriously delayed due to a natural disaster, illness, or the carrier goes out of business. The independent and carrier-provided insurance policies offer protection up to the amount you purchased, since this is the main reason people buy travel insurance in the first place. 
2. Baggage and personal items coverage: If someone steals something from your bag or, your luggage is lost or delayed, travel insurance will pay you for your trouble.Missing and damaged bags happen a lot more often than you might think!
3. Emergency medical insurance:Every year the cost of hospital treatment in foreign countries is rising exponentially, which means it’s becoming more and more important to get medical insurance cover for when you travel, as you may not be able to pay for your treatment if something should go wrong.This is the second most popular reason people get travel insurance. Just as you wouldn't go without medical insurance in everyday life, when you're traveling abroad it' crucial to stay covered in case of accidents. 
4. Accidental death or dismemberment insurance:In case of political instability in the country you're travelling to, a good travel insurance will make sure you're delivered home safely and in the worst case scenario, that your body makes it back home to your family without any hassle. If you or a loved one dies on the trip or suffers a life-impairing accident (e.g., losing eyesight), this insurance feature accounts for it.

Travel insurance is worth it when you're traveling abroad and your health insurance doesn't cover emergencies outside of your country or when a large part of your trip is non-refundable. For everything else, consider how much of a financial burden it would be if you deal with any unfortunate situation.

Finally, remember that you have to get insurance before your trip starts; it won't protect you if you get the insurance after an accident happens or your trip is cancelled.