When making your travel checklist, the last thing you want to consider is a sudden loss or medical emergency. But regardless of whether you travel extensively or want to take a quick trip, it is essential to approach your trip prepared. No matter if you are travelling with family, friends or on a solo adventure, buying travel insurance should be one of your top priorities as summer vacations bring with them travel plans.
Travel insurance offers additional security against unexpected medical costs. It supports your change of plans and helps make your trip more secure and adaptable. Remember to look into the following less well-known advantages because you never know when you might need them in a foreign country.
Coverage For Pre-Existing Conditions
Planning your trip without considering the possibility of pre-existing conditions (PEDs) like diabetes and hypertension is imprudent, given the sharp increase in PEDs across all age groups. PEDs also increase your chance of developing potentially fatal conditions while travelling to a foreign country. Therefore, you should choose plans that provide coverage for PEDs if you have a pre-existing condition or are travelling with someone who does. Claims are subject to terms and conditions set forth under the travel insurance policy. *
Dental Treatment
Dental care is only sometimes covered by health insurance, but it is in most travel insurance plans. Your travel itinerary will be helpful, especially if you experience an emergency like a sudden tooth injury or pain. Dental care may be covered by travel insurance, but you should still confirm this before purchasing. Claims are subject to terms and conditions set forth under the travel insurance policy. *
Missed Connecting Flight
This one is another less well-known factor that comes into play if you miss your connecting flight due to an emergency. Travel insurance can help reduce this risk. You can file a claim under travel insurance if you miss your connecting flight due to a delay and incur expenses as a result. Claims are subject to terms and conditions set forth under the travel insurance policy. *
Trip Cancellation, Interruption, Or Delays
Your travel itinerary may include coverage for any flight delay, cancellation, or interruption during your insured trip. Therefore, you can file a claim for meals, lodging, etc., if your flight is delayed or you encounter an unexpected pause or interruption. Similar to trip interruption, this refers to returning home early from a trip because of an emergency. Your travel insurance may cover the costs associated with trip cancellation. It would help if you remember that your plan should specify the reasons for trip cancellation, delay, or interruption, and your insurer should pay for them. Claims are subject to terms and conditions set forth under the travel insurance policy.*
Urgent Trip Extensions
It’s not unusual to find yourself in an emergency during your trip. You might need to stay longer than expected due to a medical emergency or other reasons. However, extended travel also means higher costs. You can include coverage for emergency trip extensions in your travel insurance covers these costs. This may cover charges for flight changes or rescheduling, hotel reservations, and other related charges brought on by the extension. Depending on the plan and type of coverage you have chosen, the range varies from one week to 180 days. To know about insurance costs, you can use a travel insurance premium calculator. Claims are subject to terms and conditions set forth under the travel insurance policy. *
*Standard T&C Apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.