Essential Things Covered By Your Travel Insurance
- Author :
- TATA AIG Team
- Published on :
Travelling is one of the joys of life that everyone must experience. It enables you to experience the diversity present in the world around you. Moreover, you meet amazing people, eat scrumptious food, and enhance your knowledge of different cultures when you travel. It is one of the things that truly makes one thrive.
While travelling is great and there are many benefits, it can lead to unexpected hassles. Getting stuck in a foreign land without financial backup can be a huge problem. You might get hospitalised due to a sudden illness, and paying those hospital bills can be daunting. This is where a travel insurance cover comes to your rescue. If you wish to know what does travel insurance cover, we have a list for you.
A travel insurance plan provides you financial security from a variety of unexpected situations that may arise when you are in a foreign land. Most insurance policies also cover hospitalisation due to Covid-19, which has become essential these days. A travelling insurance plan also includes things like flight cancellation insurance, etc.
With Tata AIG, you can get the right travel protection for yourself. There are different travel insurance plans that you can choose from. You can simply go to our website, choose a travel insurance plan you like, and buy it after paying the premium. If you are not sure about the premium, you can calculate it using the travel insurance calculator available on the website.
Let us get into the details of insurance for travelling abroad.
What Does Travel Insurance Cover?
Here is a comprehensive list of all the essential things that travel insurance covers:
Sickness and accident medical expenses
If you fall sick when you are travelling abroad, or you face an accident which leads to hospitalisation, the expenses will be covered by the travel insurance plan. In addition, the travelling insurance plan also covers hospitalisation due to Covid-19 upto a specified limit. Thus, travel protection is important for each and every traveller.
Delayed or lost baggage
There can be times when your baggage was sent somewhere else or delayed because of some hassles. If something like this takes place, the travel insurance plan will cover the cost of any necessary personal items that you might need to purchase before the bag reaches you. In addition, in case your bag gets stolen, the travel insurance coverage will provide you reimbursement for the items that were there in the bag, depending upon the conditions of the policy.
In case your passport gets stolen or lost, getting a new passport can be a hassle. In this case, your travel cover will provide you with financial help for getting a new passport. The travel insurance coverage depends on the terms of the policy.
Personal liability cover
There can be an instance where you cause an injury or harm to a third party or their property. In that case, the travel insurance coverage will help you cover the injuries or damages caused to the third party or their property. This will help you save a huge amount of money.
If there is a medical emergency due to which you need to be evacuated to the nearest hospital, travel protection will take care of that. If you are in a foreign country and you need to be brought back to India to get treated, the travel insurance cover includes that as well.
Accidental Death and repatriation
There can be an unfortunate situation in which an accident or medical emergency in a foreign land can prove to be fatal. In this case, the nominee of the policy will receive the sum insured amount. Also, the travel cover will provide coverage for the costs of repatriating the remains of the policyholder to the city where they reside.
If due to a specific reason, you need to leave your trip in the middle and travel back, the travel insurance cover will reimburse you for the non-refundable, unused travel and hotel expenses. The reasons for the curtailment should be the ones that are covered under the policy, so read the policy document carefully.
Benefits of Buying a Travel Insurance Plan for Tata AIG?
Here are some of the top benefits of opting for a travel insurance plan from Tata AIG:
The insurance for travelling abroad is cost-effective if you choose a plan offered by Tata AIG. The insurance policies begin at just 40.82 per day if you are travelling to any country outside India. You can also use the travel insurance premium calculator to know the premium that you will have to pay for the selected policy.
The travelling insurance plan from Tata AIG can be bought in a few simple steps. The whole process can be completed online without any extensive health check-ups or paperwork. Thus, the process is hassle-free.
International travel insurance plans from Tata AIG cover hospitalisation due to Covid-19. So, if you test positive and are hospitalised, you do not need to worry.
Different travel insurance plans
Tata AIG offers travel insurance plans as per the requirements of the individual. For example, you can opt for a domestic travel insurance plan for travelling within India, an international travel insurance plan if you are travelling abroad, a student travel insurance plan if you are going abroad for higher studies, etc.
A travel insurance plan is one of the most important things that you must consider when you travel internationally or domestically. It can be a financial backup when things go wrong in a foreign land, and you have no one to help you. There are many countries that have listed a travel insurance plan as a mandatory requirement for travel. When choosing a travel insurance plan, understand the scope of travel insurance coverage, read the policy document, understand the exclusions, and then buy the policy. With Tata AIG, you can go to the website, understand the plans, and then choose a plan that you think matches your requirements.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.