What to Expect When Buying Travel Insurance for International Travel?

Travelling to a foreign country is indeed an exciting and adventurous journey. It enables you to explore new destinations, cultures, cuisines, and more. When planning your trip, you prepare an itinerary, book flights, accommodations, and a lot of other things. But did you know what is often overlooked in the process of planning? It's travel insurance.

Now, you must be wondering why insurance. It is because travelling comes with its fair share of unforeseen challenges, and you should be prepared for them. Let's look at what type of insurance you should get for your international trip and what it covers.

Understanding International Travel Insurance

When travelling outside your home country, you should opt for international trip insurance. It safeguards you against unexpected events such as trip cancellations, medical emergencies, loss of luggage, delayed flights, and more. While it's not necessary to purchase travel insurance, it is strongly recommended for your safety.

Let's discuss the inclusions and exclusions of international travel insurance. This will help you know what to expect from your insurance policy.

Inclusions

International travel insurance provides coverage for the following events:

• Medical Emergency: Healthcare is expensive in foreign countries. A simple consultation with a doctor can cost thousands of rupees. In the given scenario, insurance covers your medical expenses, such as room rent, surgeries, treatments, prescription drugs, diagnostic tests, and more, mitigating your financial burden.

• Emergency Assistance: If you fall ill and believe that the local medical facility lacks resources and cannot provide adequate care, you can request medical evacuation without worrying about the expenses. Evacuation is the process of transporting you back to your home country for medical treatment, and it is covered by the insurance policy.
• Delayed Flights: If your flight is delayed due to inclement weather, such as thunderstorms or fog, and you miss your connecting flight or are unable to arrive at your destination on time, your insurer will compensate you and cover any additional costs you incur while waiting, such as accommodation, food, and so on.
• Loss of Luggage: If an airline loses your luggage during check-in, you should not be concerned because your insurance will compensate you for all essential items.
• Loss of Passport: If you lose your original passport during your journey, then your insurer will reimburse you the amount for applying for a new one.
• Trip Cancellations: If you have to cancel your trip due to unavoidable circumstances, such as family or a medical emergency, your insurer will reimburse your money.

Exclusions

Let's discuss what is not covered under the international travel insurance.

• Illegal Medical Treatments: Insurance policies do not cover non-prescription or unproven drugs or treatments that are considered illegal.

• Artificial Treatments: Expenses for cosmetic or plastic surgeries are not covered because they pose a risk to life unless stated otherwise in the policy.
• Self-Inflicted Injuries: Your insurer will not provide coverage for death, injury, medical condition, or disability caused by suicide or a self-inflicted wound or illness.

• Loss Due to Addictions: If you have a medical condition or disorder from alcohol or drug consumption, the insurer will not cover these expenses.
• Loss Due to Mental Disorders: Medical conditions due to depression, anxiety, etc. are excluded from the insurance policy.

• Acts of War or Terrorism: Treatments for incidents related to war or terrorism are also excluded.

How to Buy International Travel Insurance Online?

Purchasing travel insurance online allows you to compare different policies, have 24x7 access, and help you evaluate the insurer's reliability. You can buy travel insurance online by following a simple series of steps that are mentioned below:

Step 1: Visit your insurer's website and click on International Travel Insurance.

Step 2: Fill out the required details in the portal, and choose the type of insurance plan.

Step 3: Choose your destination country from the drop-down menu, then select your departure and return dates and confirm with your phone number.

Step 4: After you've entered all of these details, click "View Plans." This will direct you to a page where you can enter the traveller's information.

Step 5: Once that is completed, click "Next" and select the appropriate plan for your needs. Change the sum insured to the amount you want to cover your trip for, and then select any add-ons.

Step 6: After that, click "Next" and fill out the necessary information, including the medical declaration, to purchase your preferred plan.

Step 7: Once the payment is completed, the policy will appear on the portal and be emailed to you.

Wrapping Up

No one plans to get sick or face such challenges, but being prepared for them is a wise decision. Travel insurance should be your first step when planning your trip. It provides financial protection against unexpected events such as trip cancellations, delayed flights, lost luggage, or passports, and more.

If you're looking for a reliable insurance provider but are unsure which one to choose, Niva Bupa Travel Insurance is highly recommended. Niva Bupa provides extensive coverage with over 10,000 network hospitals. They are trusted by more than a crore happy customers.

Contact them for an amazing and stress-free trip.

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