Given the threat COVID-19 poses for the older age groups, you must take all precautions to safeguard your parents from any unpleasant conditions that could arise on their trip abroad. Here are the things to keep in mind while purchasing international travel insurance for your parent’s trip:
1. Check the list of coverage
There are various travel insurance products available in the market. Before you purchase travel insurance for your parents, thoroughly check the list of policy inclusions. Most importantly, check the maximum entry age with the insurer. Typically, travel insurance covers the following:
• Flight and/or hotel reservation cancellation:
If your parents wish to cancel or postpone their planned trip due to a medical condition, travel insurance will compensate for the losses incurred on the flight & hotel reservation.
• Trip cancellation:
Travel insurance also covers trip cancellation due to the sudden demise of a close family member.
• Trip extension:
As the world is still battling the COVID-19 pandemic, the possibility of a sudden lockdown at your destination is high. With travel insurance, the insurer assists you with policy extension in case you are stranded at your travel location.
• Medical coverage including COVID 19:
A travel insurance policy covers the expense of treatment if your father, mother, or both are diagnosed with COVID-19 during their trip abroad.
2. Check for medical coverage
Most health insurance policies are worthless if your parents fall ill and seek medical care outside India. Therefore, it's crucial to check with the insurer the scope of medical coverage included in the travel insurance. You must also read the policy's fine print to understand if there are any hidden clauses.