You Should Know What Does Travel Insurance Cover And What Does Not?
Travel Insurance, What Does Travel Insurance Cover, What does travel insurance not cover, General Insurance companies, Travel Insurance General Insurance
Travel insurance is a part of general insurance that can help you to travel anywhere in your country or abroad in a safe and secured manner without any hassle. This covers your trip and keeps you protected against many unfortunate incidents that can happen while travelling. It is vital for you to go through the inclusions and exclusions and then choose the best travel insurance plan with a comprehensive cover.
What Travel Insurance Cover:
Medical Cover: This is the most significant components of a travel insurance plan, you can make a health claim and get treated. Hospitalization costs, OPD expenses, chemist bills and first aid charges are some of the medical provisions included in a standard travel insurance plan.
Air Ticket Cancellations: A good travel insurance plan protects you against the flight, air ticket, hotel reservation cancellations as these cancellation charges are very high. Cancellation charges, up to a certain limit, are included in a travel plan.
Also in case if need to return back home leaving your trip in between due to any unavoidable reasons then this cover helps you to do so.
Missed Flights: Sometimes it also protects you from if you missed your flight or a connecting flight, a travel insurance plan assures you a ticket on the next available flight if such an incident takes place.
Lost or Misplaced Luggage: If you lost your luggage or belongings then a travel insurance plan includes this factor and so you can get compensated for your lost baggage.
Lost Passport: If you lost your travel documents while on a trip then your insurance provider will assist you in every possible way and make provisions for you to get an emergency, temporary passport so that you can continue with your trip in a hassle free manner.
What Does Travel Insurance Not Cover:
Pre Existing illness: Any pre-existing illnesses are not covered in the travel insurance plan.
Acts of Terror or War: Any damage, cancellation or injury stemming out a war or terrorism won’t be covered under a travel insurance plan.
Sports Injuries: If this results due to any adventurous sport or a hazardous activity, you cannot make a claim on your travel insurance plan.
Maternity Costs: Any expenses related to pregnancy and childbirth is not covered under a standard travel insurance plan. However, some insurance providers offer this cover at as an add-on cover that you can get at an added cost.
Disclaimer- The information provided in this article is intended as a broad summary of benefits and services most of the travel insurers provided and it is meant for the informational purpose in a broad & general way only, which meant to change. If you are looking for any specific scenario then you need to consult your travel insurance provider, we don’t have any recommendation.