How to Get Complete Travel Insurance Coverage While Traveling Overseas?

There are myriad incidents that could impact your foreign travel, such as trip cancellations, bad weather, injury, loss of passport, baggage, etc. Comprehensive travel insurance with extensive coverage policy would mitigate any chances of incurring hefty medical bills due to an emergency when you are away from your home country. It is hugely helpful to afford healthcare internationally. It covers all such risks and gives you peace of mind. So, if you are planning for overseas travel, you should look for a travel policy. Read how you can get the complete travel insurance coverage while traveling overseas.

Baggage Coverage

When you are on the way to your exciting journey, you may also get ready to face some airline goof-ups. But, thankfully, you do not need to worry if you already covered under travel insurance. It provides you the compensation up to the sum insured against for: 

  • Loss of Checked-in Baggage
  • Delay in Checked-in Baggage
  • Loss of laptop/Tablet
  • Breakage or Theft

Medical Coverage

Healthcare in foreign countries is quite expensive. You may get infected due to mosquito-borne diseases, fall sick, upset stomach, food poisoning, fever, and flu. You get medical coverage against such health emergencies. Below is the medical coverage that you can avail of under overseas travel insurance:

  • Cashless Hospitalization
  • In-Patient and Out-Patient Treatment
  • Medical Evacuation
  • Air Ambulance
  • Daily Allowance for Hospitalization
  • Personal Accident
  • Surgical Dental Treatment
  • Treatment for Mental and Nervous Disorders 
  • Treatment for Alcoholism and Drug dependency

Travel Coverage

A foreign trip is always a roller-coaster ride. Trip delays and cancellations are also common issues that you may face and cost you thousands of rupees. However, your travel insurance covers all such losses and reimburses your expenses for the following:

  • Trip Delay/Cancellation/Interruption
  • Loss of Passport
  • Loss of International Driving License
  • Study interruption 
  • Terrorist attack

Additional Coverage

  • Overseas travel insurance helps you to enjoy your trip worry-free. It also offers additional coverage like:
  • Emergency Cash Advance
  • Bail Bond
  • Sponsor
  • Cover Accidental Death
  • Personal Liability
  • Protection
  • Compassionate Visit
  • Up-gradation to Business Class
  • Lifelong Renewability
  • 24X7 Customer Support

Suggestion

It is always a huge relief knowing that you have a travel insurance policy that protects you in an odd situation on the foreign land. It protects you from a financial crisis due to a medical emergency, loss of baggage, or passport, etc. Whether mandatory or not, it’s always wise to opt for it. You can find several insurance companies offer a plethora of international travel insurance plans. But, you should invest your money and time only with reliable travel insurance providers. Some of the top travel insurance companies in India are Religare Health Insurance, HDFC Ergo, Bajaj Allianz, and Bharti AXA. So, pick any one of them and get yourself insured to fly high in the foreign sky. You may want to check out Medicare Advantage plans for 2021 .

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