A Travel Insurance Policy gives you comprehensive cover for you and your family when you globe trot. A Travel Insurance Policy must go beyond just health insurance and provides you with a wide range of travel related covers to make your trip stress-free.
A good Travel Insurance Plan covers you for:
The likelihood of person suffering from an ailment or disease is very high especially in these days of swine flu epidemic etc. Hence hospitalisation will be needed in most cases for a person who is suffering from such ailments. The plan should pay for in-patient and out-patient hospitalisation. It should provide a daily allowance in case of hospitalisation.
So also, there is a high likelihood of a personal accident occuring in a foriegn country while travelling as is not accustomed to the personal areas and it's surroundings. In case of an accident, the Travel Plan should provide compensation for death or permanent disability. The policy should also provide compensation for death or permanent disability due to an accident on any flight, ship or other common carrier.
Personal Possession Contingencies
One of the most common grouses of a traveller in a foreign country is the loss of passport or baggage while travelling. The policy should provide coverage against loss of passport or baggage by reimbursing the cost of obtaining a fresh or duplicate passport.
Time Based Contingencies
So also with the heavy density of air travel, there are high chances of flight delays etc. especially during the snowfall or rainfall seasons. The Travel Policy should reimburse towards additional expenses incurred if trip is delayed. Incase of the trip being cancelled or interrupted, compensation for any non-refundable payments or additional expenses incurred should be paid.
In a foreign country, there are many chances of personal accidents happening wherein one might involunatrily damage another person. Hence, a travel policy should also cover you against liability to a third person caused involuntarily by you or your family. Also theft of foreign currency in a foreign country should also be covered.
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