Travel Insurance: Key Things To Know Before Your Journey

Travelling for some people is going on a holiday while for others it can be their work. Living the nomadic lifestyle, experiencing a plethora of cultures, visiting local to well-known places in a small city in India to international trips, travelling enthusiasts get insurance in order to be cautious of their spending and the uncertainties that may present themselves on the trip. Be it a domestic trip or an international one, travel insurance is a must for frequent travellers. It assures them against problems like luggage loss, emergency medical care, trip cancellation or missing a flight. Travel insurance provides a safety net to the travellers if and when they face the mentioned inconveniences.

Here are some features to look for in travel insurance

Pre-existing Medical Conditions

A pre-existing condition is when you have a life-altering illness or disorder that may pose a problem during your trip such as Asthma, Diabetes, Blood Pressure issues, Epilepsy, etc. A pre-existing condition rider covers these types of medical conditions and allows you to get medical help without bearing the expenses from your own pocket while travelling. Medical coverage is important as the occurrence of medical emergencies is very common. Travellers may find themselves assured with this coverage that they will be taken care of.

Trip Cancellation

Blizzards, rainstorms, and landslides all come under natural disasters which can result in trip cancellation. It is important to have this cover in order to avoid bearing the loss. Flight cancellation or missing a flight can also be another cause which may lead to trip cancellation. Cancellation can also occur in case of injury, illness or last-minute unforeseen events such as the death of a close friend or family. The coverage may help you make sure that your money isn’t wasted.

Baggage and Passport Loss

There are many destinations where tourists can be the prey of thieves resulting in stolen passports or handbags carrying valuables. In flights as well, luggage loss or misplacement is very common. It ensures that you are well taken care of either through monetary compensation.

Emergency Evacuation

As natural disasters cannot be predicted, it is wise to get an emergency evacuation cover to help you return back home safely. It is also possible that the cause of evacuation is not just an act of god but also a sudden death of a family member or requirement of medical requirement. In such cases it may become difficult to deal with the situation and urgent evaluation can help you tremendously.