What does your travel insurance cover?

Travel Insurance Coverage:

Most travelers going overseas look for a cover that is comprehensive and offers good coverage. However, the extent of coverage differs for countries and age groups. For example, a senior citizen’s travel insurance coverage will be different from that of a teenager in the same family group.

A typical travel insurance policy will cover trip or booking cancellations, medical exigencies, flight delays, and lost luggage during the transit. While most policies are meant to give a comprehensive cover, it is best to understand the nuances before buying the travel insurance cover.

Your travel insurance coverage definitely takes care of all medical requirements during your trip. This includes medicine and treatment charges along with the hospitalization cost. However, always remember, most travel insurance policies do not cover pre-existing diseases that require constant medical attention. It is best to declare these ailments at the time of buying the policy and get a cover for that by adding some extra amount in your premium.

However, there are some other important things that your travel insurance covers. To completely understand what does travel insurance cover, below is a list of some other key coverage elements:

Easy cancellations: While you may plan your trip with much zeal there may be an instance when you may need to cancel it due to some unavoidable reasons. You may incur a huge loss while cancelling your flight and hotel bookings. In such cases, travel insurance coverage will save you from the losses and ensure that you don’t suffer.

Reschedule your travel: You can also reschedule the trip at a later date and re-arrange your hotel bookings in case you are not able to fly or the trip is delayed due to factors such as bad climatic conditions. Your travel insurance coverage offers the facility of rescheduling.

Lost or misplaced baggage: It may be a case that the airlines you are travelling may lose your baggage during the transit. Sometimes, it is misplaced to a different flight and you are not able to receive it even when you have landed at your desired destination well on time. Your travel insurance coverage makes sure that your belongings come back to you safely. In case the baggage is permanently lost, there is a provision of reimbursement for the majority of the items, provided under the coverage. This includes precious items and other essentials required for your comfortable stay in the country.

Covers for your passport too: Losing your passport could be a nightmare while you are travelling abroad. However, insurance companies now cover for your lost passport. Due to the cover, the person gets assisted in acquiring a new passport and travel documents along with some financial assistance.

Never miss buying a policy before you travel. Whether you are travelling multiple times in a year or making a single trip, you need to have a travel insurance cover. In case you are on a short trip and your trip is extended due to some official or non-official reasons, you can extend the policy by informing your insurance provider and by paying the extra premium.