Make your post Covid travels safe with travel insurance

After two stressful years, the tourism industry is back with a bang as people across the globe are eager to start traveling again. Just recalling the months spent cooped up at home is enough to create an itch for travel and everyone is keen on answering the call of the misty mountains and sunny beaches. If you are also planning a summer vacation to beat the pandemic blues, there are some things you must keep in mind, foremost among them being the integral need for travel insurance. While things like packing right, having a proper itinerary, and booking your tickets in advance may be at the top of your international trip to-do list, remember that travel insurance can make your journey safe and hassle-free.

Benefits of travel insurance

International travel is now back in full swing, post a long pandemic-induced break, and the demand for outbound flights has increased significantly. This has also led to an increase in the demand for travel insurance, as compared to pre-Covid levels. Prior to the pandemic, insurance was not deemed a necessity and people only purchased basic policies mandated by the flight companies or the countries they were visiting. However, Covid has acted as a reality check and people are now much more proactive about purchasing insurance to protect themselves. Indeed, travel insurance is no longer dispensable, it is now an essential for international travel.

Travel insurance policies offer you a range of benefits from against trip cancellation and interruption to coverage for expenses incurred due to significant travel delays and missed connections. Further, your insurance policy will also help you access emergency money if you are stuck in a foreign country and protect you against medical emergency bills. Such travel policies also provide benefits like hotel extension; during any crisis, if we need to extend our stay duration, the insurances will cover the cost. Another benefit of having travel insurance is the protection available against baggage concerns such as theft, misplacement, etc. However, that is not it. A travel insurance policy can also indemnify you for any loss stemming from loss of passport, baggage, laptops, etc. For example, if you lose your laptop on a business trip, an all risk policy will cover the loss of the laptop. Foreign trips are always and unpredictable so having travel insurance is like enjoying the benefits of a safety harness in case anything goes wrong.

Choose the right cover

Now that you know why you should buy travel insurance, how do you go about the process of picking the best policy? Consider the following factors to arrive at the best cover for your requirements:

  • Time duration – You can pick from multi-trip or single trip insurance, based on the frequency of your trips. If it is a yearly vacation, then you can pick a single trip policy.
  • Destination cover – Many travel insurance policies offer global coverage but they may have certain geographical exclusions so check that the policy you choose offers cover for the place or locations you plan to visit. Also keep an eye out for sub-limits and premiums because insurances will charge higher premiums if you travel to countries which are considered high risk or volatile.
  • Check the restrictions – Travel insurance places certain restrictions on you to avoid unnecessary risk. Read the fine print to ensure that you choose the most lenient or comfortable policy.
  • Medical cover – Choose policies which offer you the highest medical cover as hospitalisation charges in foreign countries could be much higher than that in Indian hospitals.

Travel insurance has become dire post Covid, as the pandemic has affected everything – from health to the possibility of stress-free travel. With obstacles such as sudden lockdowns and medical emergencies cropping up at any moment, travel insurance should be an imperative part of your tour arsenal. As they say, it is better to be safe than sorry! And, once your travel insurance is in place, you can stop worrying and focus completely on having a great vacation!



Views expressed above are the author’s own.



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