Travel Insurance

Travel insurance is an important “must-have” for international travel and is indispensable, especially during medical emergencies. Travel insurance has always been viewed as an optional expense when traveling but the COVID-19 pandemic has shown the importance of travel insurance especially with medical coverage.

Why Get International Travel Insurance

Travel insurance helps protect from medical and non-medical risks when traveling internationally or overseas and acts as a safety net. They help cover and protect you from unexpected costs associated with medical or non-medical emergencies such as the loss of a passport, travel delays or even medical emergency evacuation. The coverage of the travel insurance plan can vary between travel insurance providers.

What to Get in International Travel Insurance Plans

Trip Cancellation/Interruption: This covers non-refundable trip expenses in case of trip cancellation or interruption for valid or covered reasons like change of plans, missed connections, illness, family emergencies or adverse weather conditions.
Travel Delay: Delays in flight or missed connection is a common occurrence, especially during peak travel season. Travel delay coverage is often included in almost all travel insurance plans and can help compensate you from unexpected expenses for delayed travel like accommodation and meals.
Loss of Passport and Travel Documents: This helps cover the cost associated with obtaining and replacing lost important travel documents like a loss of passport.
Travel Medical Insurance: This covers expenses related to medical treatment in case of medical emergencies while traveling abroad. This typically includes doctor’s visits, hospitalization, surgery, medication, laboratory and medical tests.
Emergency Medical Evacuation: This covers the cost in the case of an emergency medical evacuation due severe medical emergency that requires transport to an appropriate medical facility.
Baggage Delay and Baggage Loss and Personal Effects: This coverage compensates you for lost, stolen or damaged baggage and personal belongings overseas or in transit.
Adventure Sports Coverage: This is a specific type of travel insurance coverage that provides protection for travelers who plan to engage in high-risk or adventurous activities like scuba diving, skiing or mountaineering.