Life is unpredictable. Undoubtedly, you are vulnerable to all sorts of uncertainties while being in your own country, however, the chances of vulnerabilities increase when you are in a foreign country among unknown people. Amidst your trip, anything unexpected can possibly happen, and your trip might not go exactly as per your itinerary. Right from being mugged to falling sick or meeting with an accident, you are exposed to all types of vulnerabilities when on the go. And, due to the nature of these uncertainties, your trip can take unexpected turns, that too at inconvenient times. This is where staying financially protected with a comprehensive travel insurance plan, inclusive of medical travel insurance, will prove to be useful and help you overcome the difficult situation.
Such travel insurance plans can help you in maximizing the benefits of travelling while ensuring that you stay prepared for meeting every circumstance which may befall you throughout your trip. So, to clear away your doubts and know the top reasons for buying medical travel insurance, keep reading.
- Support in Case of Medical Emergencies
Being sick or meeting with an accident in another country is one of the scariest things. And, availing of medical treatment in a foreign nation without subsides which are offered to the residents of the country can be really expensive. Furthermore, medical evacuation from one place to another might only add on to the medical expenses. Therefore, it is advisable to stay covered under travel medical insurance that offers coverage against COVID 19, injuries, and sickness.
Depending on your requirements, you can buy a specific type of travel medical insurance such as single trip travel medical insurance, multi-trip travel medical insurance, family travel medical insurance, student travel medical insurance, or senior citizen travel medical insurance.
- Reclaim Flight Cancellation and Rescheduling Fees
Cancellation or rescheduling of flights for various reasons, such as medical emergencies, can disturb your travel plans. And, without comprehensive travel insurance, inclusive of travel medical insurance, you might end up paying the charges for flight cancellation. However, your travel insurance takes care of such charges appropriately.
- Accidental Death and Repatriation
Accidental Death and Repatriation coverage is one of the travel insurance benefits that many people don’t want to think about, but it is a critical benefit. Accidental Death coverage works similarly to life insurance in that you name a beneficiary when you purchase travel insurance, and that person receives the benefit in the event of your death or dismemberment while travelling. In case of an accidental death during traveling, the insurer will also provide support for the insured individual’s repatriation to the home country.
- Compassionate Visit
Apart from medical emergencies and illnesses that require hospitalisation, medical travel insurance also covers tuition fees and compassionate visits from family members in the event of a medical emergency.
- Interruption of Study
While studying abroad, you may be confronted with a variety of unpleasant conditions. You could encounter a health emergency or require treatment in a hospital for more than a month. If you’re unable to finish a semester for which you’ve already paid owing to certain unforeseen circumstances, your student travel insurance coverage will repay you for the tuition fees you didn’t utilise.
- Delayed or Lost Baggage
Misplacement or theft of your baggage is not uncommon when you are on your trip. And, your luggage usually has a lot of expensive and important stuff, such as your important documents, expensive camera, or maybe jewellery, which you cannot afford to misplace. So, if you are covered under a travel insurance plan, and your baggage is lost or delayed by the airline baggage handler, you can rest assured that the additional expenses you’ll have to incur will be taken care of by your insurance provider.
- Round-the-clock Assistance Worldwide
You can avail of this service only if you choose the right insurance provider. A few credible insurance providers like TATA AIG have a global presence across 190+ countries and offer round-the-clock assistance, giving you the required support whenever and wherever required. They have been in the industry for more than 20 years and have developed a happy clientele due to their exceptional and uninterrupted services combined with other benefits.
- Mandatory Requirement
For entering a few countries, travel insurance, inclusive of travel medical insurance, is an important document. For example, Schengen countries have made travel insurancea mandatory document for issuing the visa. If you do not have travel insurance, your visa might even get rejected. So, do not forget to check the list of documents required to avail of the visa and enter the country to which you are planning your trip. However, whether it is mandatory or not, it is advisable to stay covered under comprehensive travel insurance, inclusive of travel medical insurance.
Over to you
Amidst the monotonous and routine life, planning and going for a vacation sounds interesting. And it gets even more exciting when it’s an international trip. However, do not forget to plan your trip properly; otherwise, your trip might turn into a dreadful experience. Apart from packing all fancy and important things, do not forget to keep yourself covered under a comprehensive travel insurance plan to stay one step ahead. Thereafter, you’re all set to visit your favourite destination.
