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Insurance Article

Essential covers which must feature in your international travel plan

February 09 2013

land in case of any medical or financial exigency. It is therefore important that your international travel insurance cover offers adequate coverage for several possible risks which will ensure that your foreign trip is glitch-free. There are several important points to consider when selecting a travel insurance plan so that you get optimal coverage without paying an exorbitant amount. Few important aspects of your travel policy which must be included are:

Adequate medical cover: As health care overseas is extremely expensive, it is important that your insurance policy lend optimal medical coverage. It would be further beneficial if your travel plan offers cashless hospitalisation. With this feature, you may easily locate a network health care provider through the TPA (Third Party Administrator) in that region and get access to quality treatment. Thus, you need not worry about the quality of treatment or the huge hospital bills. It is also important that your medical cover must include evacuation cost in case ill health makes your return to the home country imminent.

Travel risks: Trip cancellations and interruptions, trip delays or missed flight connections can upset your travel plans and can also cost you dearly. When choosing your travel plan, look for these covers as the weather and several other conditions can cause several such unforeseen events.

Baggage and passport security: total loss of checked-in baggage is another important cover so that you are not left stranded in a foreign country. Your passport is one of the most crucial documents when you are in a foreign country and its loss can have serious repercussions. It is essential to look for a travel plan which will help you procure an equivalent or duplicate copy of the document. This service is generally rendered after the payment of a deductible, so check and compare the deductible costs.

Accidents: Mishaps occur unannounced and a road accident will leave you stranded and possibly in the midst of legal trouble. To avoid such a scenario, it is essential that your travel insurance covers personal accident and personal liability adequately.

Emergency cash: Loss of your travel allowance can be extremely stressful and could gravely upset your travel plans. It is essential that your travel policy makes emergency cash available in such a situation so that your trip can proceed without many hassles.

Thus, with careful consideration of above factors, you can select a good travel insurance plan and stay prepared even if an emergency arises when overseas.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

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