Child Travel Insurance for Under-18s Travelling Alone
With the change of today's Indian education system, studies are no longer limited to the four walls of the classroom. Excursions, field trips, different adventure activities, attending educational conferences, etc. have become an integral part of school education. You cannot hold them back for fear of any anticipated danger as that will make them fall behind other children. However, as parents your concern for your child is justifiable and this is where child travel insurance steps in. A Child Travel Insurance helps you protect your child from danger even when you are physically not around to take care of him/her.
You might have covered your child under your Life insurance plan to help him/her survive in your absence. But that might not be sufficient when your child is travelling without you. Here you surely need to give your child the coverage of a Children Travel policy that provides him/her assistance in any unforeseen situations that he/she might come across in the course of the trip.
Coverage under Child travel Plan
You need to be ultra-cautious while choosing the travel policy for your child as it concerns his/her life. The coverages offered vary from insurer to insurer. You must read through the features offered and the fine prints carefully so that you do not miss out on any cover that your child might require on the trip. If your child is going for an adventure trip or will be indulging in adventure sports like river rafting, para-gliding, para-sailing, skiing, etc., you must check if the policy is covering all these. General Child trip policies mostly include adventure sports, etc. Some insurers might not include these as a part of the policy but might provide them as extra benefits against some extra amount. Other than these you can look for the general coverages like lost baggage, loss of currency or passport, medical emergencies, etc. provided by any normal travel policy.
Selecting a perfect travel policy for your child is a tough job and the best way to go about it is to shop around for the different plans available in the market. Online web aggregators like Policybachat are the best place for this. You can find the features, additional benefits and premium rates for children travel plans from myriad insurers, compare them under one roof, select and buy the most suitable one.
So do not send your child unaccompanied on a trip without suitable travel insurance. Make his/her journey safe and hassle-free.