Planning an international trip is exciting. Booking flights, exploring new cultures and creating lifelong memories are all part of the experience. Yet, in the middle of all this planning, one important thing is often overlooked: travel insurance.
Many travellers choose to skip it, assuming it’s unnecessary, too expensive or simply too much paperwork. These beliefs are usually based on common myths rather than actual facts. In reality, travel insurance can protect you from unexpected issues like medical emergencies, trip cancellations, lost baggage or passport theft.
This article will explore why these myths exist, debunk the most common ones, and explain why having a policy is one of the wisest travel decisions you can make.
Why do travel insurance myths exist?
Travel insurance is not something most people think about until something goes wrong. That’s part of the problem. Myths usually form when:
- People rely on second-hand stories or outdated information.
- They misunderstand what policies actually cover.
- They assume it’s too expensive or unnecessary.
- They have never needed it before, so they think they never will.
Social media and word-of-mouth often add to the confusion. However, the truth is that understanding travel insurance is easier than it seems and much more useful than most realise.
5 international travel insurance myths
Here are five common myths related to travel insurance that lead people to believe that it is unnecessary:
Myth #1: “I don't need it because I am not going to lose anything abroad”
Many travellers believe that if they pack light or are careful, nothing will go wrong. However, these things can happen even when you have done everything right. In the last two years, one in two Indian flyers experienced damaged baggage at least once, according to a survey by LocalCircles . Even more worrying, two in five travellers had their baggage delayed or lost by the airline.
And the trouble doesn’t end there. One in four of those affected by baggage issues said that when they reached out to the airline for help, the response was either poor or completely unhelpful. Imagine landing in a new country with no clothes, no essentials and no support from the airline.
So even if you think, “I won’t lose anything,” the reality is that these things happen all the time. Travel insurance protects your peace of mind when things go wrong without warning.
Myth #2: “I have medical insurance. I don't need travel insurance”
It is often believed that multiple insurances are redundant. But that's not the case. If you are someone who already has health insurance, that's excellent! However, this insurance might not necessarily cover your illness expenses abroad.
A travel insurance plan compensates for your hospitalisation and treatment charges and relieves your stress. You can also avail of worldwide cashless hospitalisation with some insurance providers. You can benefit from high-quality medical treatment and return home only once you have completely recovered.
Myth #3: “I won't be reimbursed unless something major happens”
Not true! Travel insurance is not meant only for the extreme conditions mentioned above. Sometimes, you might end up getting stuck in a minor yet financially stressful situation. A travel insurance plan covers your expenses for sticky situations like flight cancellations due to poor weather conditions or additional hotel charges due to early exit.
Even on a short, non-adventurous business trip, travel insurance cushions small uncertainties that may disrupt your plans. Whether or not you are a frequent traveller, a travel insurance policy makes your travel experience more pleasurable.
Myth #4: “Pre-existing medical conditions and travel insurance do not mix”
Depending upon factors like your age or travel destination, you can avail of different types of travel insurance policies; various custom-made travel policies cater to the different requirements of travellers. With a wide range of options being available, it becomes easier to choose. Until a few years ago, due to a lack of competition, travellers were stuck with only a handful of insurance providers. However, nowadays, with a major upsurge in the insurance market, you can easily avail of customised travel insurance online that not only suits all your needs but is easy on the wallet as well.
Myth #5: “But they don't understand my needs”
Although this concern might be partly true, as many insurance providers do not cover pre-existing medical conditions in travel insurance, there is still hope. If you do a bit more research before purchasing international travel insurance, you will find that there are a few insurance companies that do offer pre-existing medical conditions, albeit with a few caveats.
- There shouldn’t be any new diagnosis or treatment/medication for the existing condition.
- The condition of the pre-existing illness should be stable and not deteriorating.
- Test results for the pre-existing condition should not be awaited.
- There should be no change in the frequency of medication or treatment for the pre-existing illness.
Benefits of getting an international travel insurance policy
A good travel insurance plan offers a wide range of benefits to make sure you are protected throughout your trip. Here’s what you can expect:
- Medical emergency cover: If you fall sick or get injured abroad, hospital bills can be very expensive. Travel insurance helps cover treatment, hospital stays and even emergency evacuation if needed.
- Trip cancellation protection: If you have to cancel or cut short your trip due to illness, a family emergency, or visa issues, your non-refundable bookings like flights and hotels can be reimbursed.
- Lost or delayed baggage support: Bags can go missing or get delayed, especially on connecting flights. Insurance helps you buy essential items and offers compensation if your luggage is lost or damaged.
- Help with lost documents: Losing your passport in a foreign country can be stressful. Travel insurance can assist with getting emergency documents and may cover related expenses.
- 24/7 travel assistance: Most insurers offer round-the-clock support for things like finding a hospital, arranging transport or handling emergencies, even in unfamiliar countries.
- Emergency Support: If you lose your wallet or need emergency cash while abroad, the policy helps arrange funds so you are not left stranded. It also provides support in case of a financial emergency.
Conclusion
Travelling abroad comes with exciting experiences but also a few risks that are often out of your control, like medical emergencies, lost baggage or flight delays. While no one expects things to go wrong, it’s always better to be prepared. Travel insurance can be a great help in such situations. Moreover, they also come with flexible options. You can choose a single-trip travel insurance to protect yourself during one specific journey.
FAQs
1. Is travel insurance mandatory for international travel?
Some countries, like the Schengen Area, do require proof of travel insurance for visa approval. Even when it’s not mandatory, it’s highly recommended.
2. Can I get a refund if I cancel my travel insurance?
Many insurers offer a short “free-look period” (usually 7–14 days) after purchase. If you haven’t started your trip or made a claim, you may be eligible for a refund.
3. Does travel insurance cover COVID-19?
Yes, most updated policies now cover COVID-related medical expenses, cancellations or quarantine, but you should always check the terms.
4. What is the best time to buy travel insurance?
Buy it as soon as you book your trip. This gives you maximum coverage, including trip cancellation benefits.
5. Can I extend my travel insurance while abroad?
Some insurers allow extensions, but not all. It’s best to ask in advance and read the terms carefully.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.
https://www.localcircles.com/a/press/page/airline-baggage-handling-survey