What are the Benefits of International Travel Insurance?

Getting travel insurance for international trips is one of the most important requirements before starting your trip.

An international travel insurance policy offers coverage against various risks related to travel and, more importantly, offers coverage against medical emergencies that may arise due to unexpected complications while travelling.

Let’s look at some of the ways an international travel insurance plan benefits a traveller.

What is Travel Insurance For International Trips?

An international travel insurance policy is your reliable and trustworthy companion for your trip overseas. Some countries, like Russia, Cuba, the Schengen countries, Singapore, etc., have made international medical insurance coverage mandatory for travellers.

An international travel insurance plan ensures that medical or trip contingencies do not cause financial burdens. It covers lost or delayed baggage, trip interruptions, flight delays, lost passports, trip cancellations, and medical expenses.

Top International Travel Insurance Benefits

Here are some benefits you can enjoy when you purchase an international travel insurance policy-

International Medical Insurance Coverage

You may get into an accident or fall sick while travelling abroad. An international travel insurance policy covers most healthcare expenses, including medical treatments, emergency medical transportation and hospitalisation. It also covers any accidental dental treatment needed during your overseas trip.

Trip Interruptions and Cancellation Cover

If you have to interrupt or cancel your trip due to unforeseen illness, terrorist incidents, or inclement weather conditions, your international travel insurance policy will reimburse you up to a specified policy limit for the non-refundable prepaid payments made prior to the departure date.

International Travel Baggage Insurance

If your checked-in baggage is delayed, an international travel insurance policy will help you purchase necessary personal items like medication, toiletries and clothes. Additionally, in the event of loss of baggage, your travel policy will compensate you for a total loss of checked-in baggage caused by your airline.

Passport Theft or Loss Cover

Becoming a victim of passport theft or losing your passport can be a dreadful travel experience. Fortunately, an international travel insurance plan offers coverage for passport loss to help you get reimbursement up to a specified policy limit for expenses incurred to obtain a new or duplicate passport.

Personal Liability Cover

Travel insurance for international trips also covers third-party property damage and bodily injury. This insurance coverage is helpful, especially in cases where you do not have control over certain circumstances around you.

For instance, you might get involved in an accident during your overseas trip and accidentally hurt another individual or damage their property. An international travel insurance policy can cover financial obligations arising from such a situation.

Compassionate Visit

Having your loved ones with you during medical emergencies on your overseas trip is essential. An international travel insurance policy offers coverage for compassionate visits, where the accommodation and travel expenses of one immediate family member are covered.

This coverage comes in handy when you are hospitalised due to an injury or illness and cannot go back to India without a companion.

To Wrap  It Up

The benefits of an international travel insurance policy depend on the insurer and the policy you choose. For instance, some policies even offer a hijack distress allowance that compensates you for the distress you suffer. Therefore, while buying travel insurance for international trips, you must consider your insurance requirements to ensure comprehensive coverage.