Inexpensive travel insurance is now just a click away. Tell us what you’re looking for and we will gather travel insurance quotes from some of the top travel insurance companies for you. You can compare the quotes and decide on the policy that suits you best. This service is free of charge from PolicyBachat. Travel insurance rates can be checked for single trips or multi-trip worldwide. Get an affordable travel insurance policy now especially if you are a frequent flyer.
What is Travel Insurance?
How often do you travel? Are you a world traveler? Do you keep one bag eternally packed with your necessities because you might have to travel at any time? Your business trips are unplanned and come without much warning?
Have you ever faced it?
- Misplaced baggage
- Stolen passport
- Missed connecting flight because the previous one has delayed
- Admittance in hospital while holidaying in Dubai
- The fatal accident of a colleague during your business trip to London
- Canceled trip due to bad weather and loss of flight and hotel reservation
Travel Insurance is the solution to all the above-mentioned problems. Travel Insurance means insuring the risks of having a financial loss or a medical emergency while traveling. Travel Insurance can be temporarily purchased for a single trip. However, for frequent fliers, Travel Insurance can be taken for a whole year and it covers an unlimited number of trips throughout the year. Overseas student travel, business travel, leisure travel, adventure travel, cruise travel, and international travel are various travel options that can be insured.
The most common risks that are covered by overseas travel insurance are:
- Overseas Medical expenses
- Accidental death or injury
- Overseas funeral expenses
- Loss, theft, or damage to personal possessions and money (including travel documents)
- Delayed baggage (and emergency replacement of essential items) or loss of baggage
- Loss of passport
- Missed connecting flight due to delay
- Trip cancellation expenses due to unforeseen weather conditions, etc.
- Overseas dental treatment
Some overseas travel policies will also provide cover for additional costs, although these vary widely between providers. The additional features provided by them are:
- Pre-existing medical conditions
- Travel to high-risk countries, in event of war or terrorism
- Death or accident due to an overdose of drugs or alcohol
- Mental disorder, anxiety
If the above conditions are not specifically mentioned, they are usually a part of Exclusions. Insurance companies usually cover pregnancy-related expenses within the first trimester, although they vary from company to company. Overseas travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include emergency travel assistance, booking of tickets, hotel assistance, etc. Consider it a traveler's friend in case of unforeseen circumstances while on a trip.
Experience the productivity of business travel insurance policy
Traveling becomes inevitable for business purposes. Likewise, your protection is vital. You might not agree with the fact that travel insurance will serve you the best in a foreign land but the coverages that come with business travel are always beneficial.
A business travel plan will efficiently handle your medical emergencies abroad and reimburse your medical expenses. If a connecting flight is delayed due to bad weather, flight strikes, or by any other technical snag your business travel insurance will cover your flight expenses if any other travel arrangement is not provided.
Under any circumstances of accidental death or injuries or loss of third-party possessions, your business travel insurance will effectively handle your legal proceedings from appointing an attorney to paying the attorney at the end. In addition, this business travel insurance covers the loss or delay of travel documents, luggage, or baggage. When you know these are all that you gain in a single business travel policy, then why late to own it.
Types of Overseas Travel Insurance Policies
Single Trip: This type of policy is similar to a single-entry visa that entitles the passenger to benefit only for a single trip. It expires as soon as the single trip is over. The premium also depends on where you are traveling and for how many days! The travel destination is important as some places and countries are higher in risk than others. Also, the higher the tenure of the trip, the higher would be the risk of meeting with medical or financial emergencies. Thus the premium depends on these 2 factors along with the person's age, health conditions, etc. Overseas travel insurance is a combination of general insurance, life insurance, and health insurance.
Multi-Trip: This type of plan is usually for 1 year for any number of places within the specified time limit. This is like a multiple-entry visa where you can travel to many places within the same year and be covered for every trip with this single policy. The premium depends on the countries of visit and tenure of each visit along with the age and health of the individual traveling. As medical emergencies are covered, the health check of the individual becomes of prime importance.
Student policy: These plans are usually for students who travel abroad for study purposes. If they suffer financial and medical emergencies, the same would be covered under this particular policy. The plan usually covers the student for the entire tenure of the education.
Domestic Travel: This is usually taken for travel within India. It covers financial loss, baggage delay and loss, and medical emergencies for travel within India.
Senior Citizen Travel: This plan is specially designed for senior citizens. Medical and non-medical expenses of senior citizens when traveling abroad including hijack distress allowance. The Senior citizen plan is one the most preferred among other travel insurers because pre-existing diseases in life-threatening emergencies are also covered. Benefits like checked-in baggage loss/ delay and cashless hospitalization worldwide are also usually provided.
Identify the Best Travel Mediclaim Insurance Policy for your Overseas trip:
Have you bought travel health insurance for your trip abroad? If yes, then do you know that your travel Mediclaim policy does nothing to safeguard your journey? Yes, the Travel Mediclaim insurance policy is only designed to cover your medical emergencies suffered by you in a foreign land but not to cover your losses throughout your trip.
Here you need to know that your journey should be secure by easily avoiding unnecessary expenses. A travel insurance policy is the one that you need to take care of yourself in a foreign country. Travel insurance not only takes an opportunity to safeguard you and your baggage throughout your trip abroad but also provides sufficient security to your home here.
You will definitely be benefitted from its document loss coverages, baggage and flight cancellation coverages along with delayed flight reimbursements. You need to apply some thought while buying this package of advantages. I suggest you buy the best travel insurance policy only after comparing it with various other travel policies. This gives you clear data on the types of coverages and their respective premiums.
Check your travel destinations ahead to avail of travel insurance services entirely. Your investment in your security should ensure you complete and assist you when needed.
Ensure an Enjoyable Trip with the Best Overseas Travel Insurance:
Traveling abroad is always fun and in all possibilities, you expect to gather some memories for a lifetime from the trip. Ridiculous things always don’t work as expected and it is these situations you need to be prepared for.
You should always keep in mind that traveling abroad is an expensive affair and if any unforeseen situation turns up, like health issues or loss of baggage, or sudden trip cancellation, the amount of money that will be blown out of your pocket might cost you a fortune. Overseas travel insurance saves you from such enormous expenditure and gives you that peace of mind to enjoy your trip in the best possible manner.
Special emphasis should be paid to the coverage for health problems aroused by an accident or sickness. The reason being medical and hospitalization charges in foreign countries, especially in the western world, is way too high.
Besides you might land up into other troubles like loss of baggage or passport and travel documents, trip cancellation, and requirement of immediate evacuation due to medical emergency, and so on. Overseas travel insurance will take care of the finances in the foreign land and help you recover from these situations in the best possible way.
For beginners, you need to know your trip size. Preferably choose the policy that suits your tour duration. Cover all accompanies. Find the best option for your family or group. Know the type of your travel like adventurous or pleasure. Buy the plan that suits your type. Buy the best travel insurance policy from PolicyBachat. Contact our insurance expert team on 1800-123-4006/1800-3001-4006 for your queries. We give you an insight into what is to be covered and what is to be known while you buying overseas travel insurance.