Why You Should Get Travel Health Insurance: Protect Yourself Abroad
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Should I Get Travel Health Insurance?

Travel health insurance is crucial for protecting yourself abroad, covering medical emergencies, evacuation costs, and more. It's a smart investment for hassle-free travel, providing peace of mind and financial protection against unforeseen situations.

  • 07 Feb 2024
  • 2 min read
  • 252 views

Whether it’s a vacation of a lifetime or a cross-country trip to explore the world, you may ask yourself, “Should I buy travel medical insurance?” The answer is “yes”, as life is full of uncertainties. Moreover, you are in a foreign land with family and vulnerable to risks related to health, luggage or document loss, and flight delays and cancellations. Hence, it is essential to have a sound travel health insurance plan that also provides financial safeguards to ensure a hassle-free vacation.

Should I Get Travel Health Insurance?

Opting for a travel health insurance plan could be a smart investment if you are planning overseas travel. A travel health insurance plan will cost you 5%-6% of your trip cost. Travel insurance can pay off for flight delays, medical risks, travel risks, and much more.

Travel medical insurance for emergencies

Suppose you face a medical emergency in the midst of your travels. In that case, this travel health insurance plan will cover the doctor and hospital bills, ambulance service, medicine, X-rays, and lab work up to the ceiling mentioned in your policy. Such differentiation will help reduce your financial costs, as most Indian health insurance plans do not cover services outside the country.

Medical evacuation travel insurance

Imagine you are in a foreign land and trekking across hills, jungles, and mountain ranges where no medical facilities are available. Unfortunately, you suddenly fall sick for no apparent reason. In such a scenario, the travel insurer will take care of the cost of transporting you by helicopter or ambulance to a nearby healthcare facility. The travel medical insurance will cover the expense of taking you to the closest healthcare facility overseas that’s well-equipped to treat your condition. The travel medical insurance also covers the cost of sending you back home to India for emergency medical attention.

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Conclusion

Including travel insurance as part of your itinerary is a wise decision. It will enable hassle-free travel with peace of mind and financial protection. A travel insurance plan prepares you for unanticipated situations that may emerge during your trip. Another pertinent question that may arise is, “Do you need travel insurance if you have health insurance?” If you face a medical emergency while travelling, your travel insurance only covers emergency care expenses. However, health insurance enables coverage for long-term treatment in a foreign land as long as the policy covers it.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the mentioned industry. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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