Travel insurance is insurance that offers financial aid in the event that something goes wrong during your travel. This insurance covers a wide range of issues like medical emergencies, delayed or canceled flights, loss of money or passport, and misplaced luggage.
Travel insurance is chosen based on your travel duration, destination, and needs. Often single-trip travel insurance is taken for a one-time journey. This can be customized and purchased for a single individual or the whole family. For people who often travel for work prefer to opt for multiple-trip travel insurance in India or an annual plan of travel insurance.
International Travel Insurance for Europe
With mesmerizing rivers, snow-capped mountains, medieval architecture, old-world towns, and excellent cafes, Europe is one of the top destinations on most people’s travel bucket lists and attracts tourists from all over the world.
If you are planning a trip to Europe then it is ideal that you choose an international travel insurance plan and secure the trip. Ensure that your international travel insurance for Europe offers adequate coverage for your trip and suits your travel requirements. You can buy international travel insurance online and compare the plans too. Online insurance makes it easier to file claims and eases the process.
Benefits of International Travel Insurance for Europe
Travel insurance offers a myriad of benefits, some of which are listed here:
- Assistance as and when needed
- Travel assistance
- Coverage against sickness and medical emergencies
- Coverage during a hijack
- Coverage against personal liabilities
- Coverage for Covid-19
- Extension of travel insurance in case of hospitalization or delay or cancellation of return flight
It is important to check the terms and benefits offered by your insurer, as they may vary from company to company. You can easily check these particulars and compare the same by availing the international travel insurance online.
Need for International Travel Insurance in India
Emergencies and mishaps can strike anywhere and may put your well-planned travel plans on a spin. Whether it’s a sudden spread of the pandemic, unexpected health emergencies or sudden cancellation of flights, uncertainties can strike anywhere. Against these unexpected situations, travel insurance in India offers financial protection. Additionally, international travel insurance will help you in case of delayed flights, lost passports, misplaced baggage, and overseas health insurance.
There are various different travel insurance plans in India for Europe which are not just affordable but also give Covid-19 coverage. These are flexible insurance plans and hence, you must choose one considering the following factors:
Factors to be Considered When Buying International Travel Insurance
1. Duration of travel
When you plan to purchase a travel insurance policy you must consider the duration of your travel. The length of your travel will decide the cost of your insurance. The longer the travel plan, the higher the cost will be.
2. Distance of your journey
The cost and coverage of your international travel insurance will also vary with how far you are travelling and the duration of your flight. Hence, it is vital to not rush and take your time in comparing travel insurance plans online.
3. Planned activities
How you plan to spend your vacation will also determine the cost of your insurance plan. For instance, if you are planning to indulge in high-risk adventure sports then your policy might have restrictions regarding the coverage or cost more than a mere leisure journey.
4. Additional destinations to be covered
It is important that your travel insurance is location specific. While this may seem like a no-brainer, many people take this point for granted and buy insurance for a location and indulge in side trips to additional countries. In such cases, if you come across trouble, you do not get coverage for travel insurance and end up disappointed. So, when opting for travel insurance, it is important to give full closure regarding your travel plans.
5. Present medical conditions
This is extremely crucial and important to disclose your present medical conditions when buying travel insurance. Your health must be the primary concern and one should refrain from hiding important facts about your health in order to save some money on the insurance plans. If you are going to a destination that might impact your health adversely or you are hoping your insurance plan will cover pre-existing medical conditions, you must read into the details. Hence, instead of blindly trusting the insurance policy, look for inclusions and exclusions.
6. Claim procedure
A major consideration is the claim process. Affordable travel insurance with several inclusion but a cumbersome or shady claim process is no good. Always check for reviews before purchasing a travel insurance policy. Analyze the claim process, claim settlement ratio and reimbursements.
Additionally, make sure you do not assume that your travel insurance will cover every loss that you encounter. Look for coverage for medical emergencies, loss of baggage and passport, Covid 19, etc.
7. Limitations of travel insurance
Always keep in mind the limitations of your insurance plan. With so many different types of insurance plans available, look for one that completely meets your needs. For instance, if you are planning to go for adventure sports and the same is not covered in your insurance plan, it is better to purchase add-on riders for the same.
In the recent past, travel insurance was not one of the important considerations when planning a trip. But today, it is not only ideal but also mandatory for most countries and also a part of visa requirements. Just like any other insurance policy, it is important to buy travel insurance in India when you are planning a trip to Europe or any other destination. To enjoy your vacation to the fullest, you need to be carefree and feel secure, and your travel insurance ensures the same. And given that one can easily buy international travel insurance online, at any time, from anywhere, it is best recommended to buy one before you start your trip!
Disclaimer –
The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.
