Why Do We Need Travel Insurance? How To Choose One?
A group of friends travelled to South Africa in lieu of the Football World Cup
. Upon the recommendation of their travel agency to insure their trip, they bought a travel insurance plan that came with a cheap premium. When they thought of going for bungee-jumping, they realised that they were not covered for adventure sports. Apart from this, there were several other restrictions on the medical expenses.Today, travel insurance policies come with a variety of options but choosing the right kind of insurance policy is important. Travel insurance, in a nutshell, provides coverage for travel-related expenses in the event that something goes wrong.
Travel insurance is designed to protect your health, belongings, and your finances during the course of your trip. While its a good idea to take out travel insurance on international visits, its also safe to check what your insurance covers.
A good travel insurance policy is one that covers you for what you need, and doesnt charge you for coverages you dont. When identifying the best travel insurance policy for yourself and family, look for the following policy details:
Who is covered?
Whats covered and whats not?
What are the different plans offered?
Whats the maximum coverage offered?
Does the policy cover pre-existing conditions?
Does the provider have a worldwide, 24/7 emergency contact number?
Can insurance be purchased and renewed online?
Is the policy applicable only when travelling abroad or even within ones own country?
Does the travel policy cover multi-trips?
Travel is one of lifes greatest pleasures, but even the most carefully planned trip can be complicated by unforeseen events. Whether it is lost luggage, cancelled flights, or medical emergencies, an unexpected event can cause a financial crisis. Hence, it is essential to buy a good overseas travel insurance policy that can safeguard your journey and make your vacation a truly memorable one.
Travel Insurance has always been perceived as an optional package. But, without the proper coverage, you may be followed home by a string of incidental expenses including flight delay, baggage loss and loss of passports. Business or pleasure, remember to insure before leaving.
Chola MS offers insurance for business, leisure and student travel. These comprehensive insurance packages include coverages such as door to door cover, adventure sports cover, multi-purpose cover and trip cancellation cover to name a few. One of the unique features of Chola MS Travel Insurance is that it provides coverage for any eventuality arising from pre-existing health conditions.
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