Travelling is like reading books. It will give you ample of time to think and observe about yourself. Also, you will be learning many new things related to culture, food, and history. Travelling is also loved my most of the people because it will give you a chance to meet new people of different culture. It will directly or indirectly open your mind and vision. Travelling will also help you to face your fears like if you are afraid of water either go for river rafting or underwater diving. If you are afraid of heights then for bungee jumping.
Travel insurance is among the most crucial items that must appear in your pre-travel list. With the cover you will be safe from any expenses arising from the accident for you and your additionally, travel insurance policies cover holiday disasters like cancellations, delays, accidents including your pets ,travel companion, loss of personal items and expensive gadgets. It also covers any emergency medication. For more insurance information and education you can visit websites like Insuranks.com and III.org.
Benefits of a travel insurance
Payback after cancellation
Travel insurance covers for pre-paid costs of services. Payments like accommodation and car-hire are hard to recover if you decide not to go for a trip. Without travel insurance, getting the cash back is impossible because you cannot get it back from another source. The cover offers cancellation for various reasons. With travel insurance, the user is free from losses incurred after cancelling a journey especially because of an emergency.
Caters for emergency medical expenses
Injuries and illnesses are not predictable and may occur even when travelling. Notably, you may need medical attention when you are in overseas countries. Communicating with your doctors may be technical which means you will have to pay for treatment. A travel insurance covers any medical emergencies including treatment in another country if necessary.
Covers loss of personal possessions, gadgets and travel documents
Holiday disasters like delayed baggage, loss of gadgets and personal possessions are annoying. Travel insurance policy covers the costs you incur in case you lose anything. Checking on the policy limits is important to be sure it covers all the items you carry especially when travelling abroad. Ensure that items like electric gadgets are under the standards section on the policy you choose. Another alternative is adding the option as an extension of the options page. Additionally, the travel insurance covers any unforeseen accommodation after delay of a flight for more than six hours.
Covers on leisure activities
Some leisure activities like jet skiing, sky diving and winter sports may result in accidents and severe injuries. A travel insurance covers the leisure activities so that the insured does not incur expensive bills. It covers up to a hundred covers and gives you the freedom of extending the cover by adding more on the options page.
Offers legal advice
When travelling to another country, you may need to seek legal advice or pursue a legal claim. Travel insurance policies have a section that covers legal advice. With the legal information at hand, the user knows the do’s and don’ts of a country so that they do not end up committing crimes.
Covers personal accidents
Anything may go wrong on your trip since accidents are a matter of fate. Travel insurance covers accidental deaths and disabilities. In case of death or a permanent disability, the travel insurance pays a set benefit.
Covers family emergency
You may be out with a close relative and they end up getting hurt or succumb to death in an accident. Travel insurance caters for any expenses that arise when family members get involved in accidents. Additionally, it covers any unplanned accommodation and travel expenses for your companion in case they cannot continue with the holiday due to illnesses and injuries.
Offers cover on domestic pets
You may experience a delay for example on a flight when getting back home and you have a pet. Travel insurance covers additional expenses like a kennel or cattery costs. Additionally, if the pet gets injuries in your absence, the travel insurance covers the bills.
Robert Louis Stevenson said once, “…For my part, I travel not to go anywhere but to go. I travel for travel’s sake. The great affair is to move.”
Obviously traveling is a pleasure but there can be many absurd things that can lead you to cancel your trip. Also, there can be emergency medical treatment while traveling. This is the primary reason travel insurance is important? Travel insurance also recommended by most of the government. Travel insurance can help you in many ways,
- Getting help overseas
- Travel insurance provides you with protection from medical costs.
- Travel insurance can cover disruptions to your baggage loss or delay trip
- You can be reimbursed for your losses and expenses
- Baggage loss or delay
- Missed connection or departure
- Emergency cash advance
- 24X7 emergency services
Religare Health Insurance recently opened its doors to the leading travel bloggers of the city demonstrating the importance of getting travel insurance. Religare Health Insurance conducted a compelling discussion on the nuances of travel planning and how an insurance partner can help the ‘wandering souls’ protect them from various unknown challenges.
Religare Health Insurance is a specialized Health Insurer that offers health insurance products to employees of corporates, individual customers, and financial inclusion. Launched in July’12, Religare Health Insurance has made significant progress in a short span of time and is already operating out of 61 offices across the country. The dynamic team of Religare Health Insurance is led by Mr. Ashutosh Shrotriya, Head – Products & Business Process and B.Shiva Shankar, Business Head–Travel Insurance.
Religare Travel Insurance have some of the nice features compared to other insurance companies. You can buy cashless health insurance from one of the most trusted health insurance companies in India. Let me list out few amazing features,
- Provides coverage for Inpatient and Outpatient treatment, whilst abroad.
- Pre-Existing Diseases are also covered under this policy if it is a life-threatening medical condition that needs immediate attention.
- Daily allowance is provided throughout the duration of your stay at the hospital, in order to provide for various expenses such as transportation, meals, communication, etc.
- Covers expenses incurred from arranging transportation of an immediate family member for a compassionate visit, to the insured, ’s present location.
- Cover for treatment I the home country is also provided. This is one of the best features of Religare travel Insurance.
After hosting the successful bloggers meet, B. Shiva, Business Head – Travel Insurance, said “The aim of this meet-up was to have an informal conversation with passionate bloggers of India and understand their fresh perspective on travel, destinations and the issues that they face while traveling. The session helped us engage with a group of well-travelled, urban end-consumer at a deeper level.”
Also, speaking on the occasion was by Mr. Ashutosh Shrotriya, Head – Products & Business Process, who said: “This is a perfect platform to present our product to the right influencer group, besides reaching out to our audience. We received a lot of queries and genuine feedback in the process that will help us deal with the growing challenges of a traveler. With our commitment to superior product and experience for our customers, we hope to continue to improvise in our area of expertise.”
Also, you must know about Religare Travel Insurance Exclusions:
- Expenses incurred due to the misuse of drugs or alcohol.
- War or any war-like activity, and Nuclear perils or consequences arising therein
- Contamination and other consequences of Ionizing Radiation
- Suicide attempted suicide or intentional self-injury
- Any hazardous sports or activities like bungee jumping, paragliding, rafting, etc.
- Breach of law or criminal activities
- Sexually transmitted diseases such as HIV, AIDS, etc.
Religare Health Insurance currently offers products in the retail segment for Health Insurance, Critical Illness, Personal Accident, Top-up Coverage, International Travel Insurance and Maternity along with Group Health Insurance and Group Personal Accident Insurance for corporates.
The organization has been adjudged the ‘Best Health Insurance Company’ at the ABP News-BFSI Awards 2015 and also received the ‘Editor’s Choice Award for Best Product Innovation’ at Finnoviti 2013; it was also conferred the ‘Rising Star Insurer Award’ at The Indian Insurance Awards 2014.
Final Thought
When planning on a journey especially a long time journey overseas you should consider having a travel insurance cover. With the cover you are safe from any expenses that may arise from accidents both on you and your travel companion.
Additionally, the policy covers for the safety of your personal items including expensive gadgets. When an emergency arises and you must cancel your trip, you receive a refund for any pre-paid services. Websites offer more information on the importance of getting travel insurance and the costs it saves you from incurring.
You can consider an award winning insurance company in Canada – Beamalife.
