Why buy travel insurance if you are planning to travel?

Everybody plans their trip well and hope for a wonderful time. But sometimes it can take a bad turn. In such cases travel insurance comes as a blessing as it can offer financial aid. Travel insurance covers delays, trip problems, emergency medical help, medical transportations, baggage and more.

There are different types of travel insurance. Before buying travel insurance you should compare the different plans available. You should check if the insurance covers existing diseases, the limit on the duration of the trip, missed flights cancelled flights and coverage for sports and adventure activities. International travel insurance takes care of any problems which may occur while travelling overseas.  

Types of travel insurance
There are four types of travel insurance. They are as follows:

Individual travel insurance plan
This plan is designed for a single individual. It covers medical needs, baggage coverage, journey related coverage and more. It offers a single trip insurance policy and annual multi-year insurance policy.

Single trip insurance plan
This type of insurance covers many options. It covers loss of checked-in baggage, hospitalization allowance, burglary of your Indian contents, delay of checked-in baggage, loss of passport or other travel documents, trip problems or cancelled trips, evacuation due to political risks, hijack distress allowance and personal liability cover. Medical cover includes emergency dental treatment, accidental death and other medical needs.

Student travel insurance plan
Students aspiring to study in foreign countries like the USA or the Schengen regions have to buy student travel insurance plans. It covers accidents leading to permanent disability or death, emergency evacuation in your home in India, loss of passport, duplicate passport making expenses and loss of baggage. It covers various medical emergencies.

Family travel insurance plan
This type of insurance is for the entire family. You can use it while travelling with your family. It covers expenses caused due to any trouble during your stay abroad. It is affordable as it offers protection under a single policy.

When you buy a travel insurance plan you should select a plan as per your budget. You should check for hassle free claims settlement process. The plan that offers better coverage is the best plan.

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