What All Is Covered In A Travel Insurance Policy?
Travel insurance is also known as Visitor insurance
. It ensures that your journey remains worry free. Travel insurance has become vital these days as medical costs are going northwards every time and desire to travel be it business travel or leisure travel is increasing a lot. Overseas travel insurance proves vital in case a human suffers due to any contingency while travelling abroad. Every traveler and each trip is different, but understanding the benefits and exclusions is important to choosing the right policy or package plan. Each travel insurance policy is different and every policy has its own unique coverage. Below coverages are generic in nature and can be found in travel insurance policies:Trip Protection: Trip cancellations and trip interruptions are a part of overseas travel insurance. You might have to cancel your trip due to various numbers of reasons such as injury or illness to a family member, any natural disaster in the visitor country, traffic accident, any injury to the destination host and theft of passport. Trip interruptions can happen sometimes and you have to end up your trip and come back home. This can happen due to personal or professional contingency. In that case, overseas travel insurance can reimburse your prepaid expenses or non-refundable expenses depending upon your policy.
Medical Protection: Travel health insurance policy covers your medical risk. In case an individual suffers any injury or any preexisting illness reoccurring, then in that case medical travel insurance covers your hospitalization expenses and any other associated expenses. Few travel health insurance policy cover dental emergencies as well which depends upon your coverage.
Loss or Delay Protection: Travel insurance policy covers loss of baggage as well as delay of the baggage. In case you lose your baggage, then insurance provider help you by providing replacement value and in case of delay of baggage, they provide you amount equal to purchase essentials.
Life and Body Protection: Travel insurance policies your accidental risk as well. Accidents can result in death, permanent or temporary disability. In that case, depending upon the policy, insurance provider indemnify up to the covered amount for the loss of life to the beneficiaries. Flight accidents are also covered in a travel insurance policy.
Special coverages: There are some special coverages which can be included while buying medical travel insurance. Sports injuries, injuries due to adventure activities, pet care can be included with payment of extra premium.
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