5 Must-Have Features in Your International Travel Insurance Plan

Whether you are travelling to take part in a business meeting or to spend some leisure time, an international trip brings in excitement and discovery. However, unforeseen scenarios such as accidents or luggage loss can disrupt your experience.

That is why you must opt for travel Insurance online when you plan an overseas trip. Here are 5 essential features that must be part of your travel policy so that you can get the financial protection you need for your international trip.

5 Must-have Features in Your International Travel Policy

1. International Health Coverage

No one can predict sudden illness during an overseas trip, hence, this coverage is a must-have. Moreover, your medical expenses in certain countries can be overwhelming and can be difficult to pay without the help of a travel policy. A good travel plan will also include hospitalisation coverage in case of sudden injury or illness and treatment of pre-existing ailments if they become life-threatening.

Coverage should also include daily hospital allowance and compassionate visits by a family member in case of lengthy hospitalisation.

2. Lost Luggage Insurance

Your international travel insurance must provide coverage for lost checked-in luggage. It should reimburse you for the total baggage loss by the airline. Additionally, your policy should provide financial coverage in case your luggage is delayed and you need to purchase essential personal items until you get your luggage.

Also, make sure that your policy covers passport loss. Under this coverage, your travel insurance may cover the cost of obtaining a passport and other related expenses while on a trip.

3. Personal Accident Cover

There is always a risk of an accident during your travel-insured international trip, buying Personal Accident Insurance a crucial aspect of your policy. It should provide coverage for permanent disability and even death, ensuring financial protection in unforeseen situations. Other coverage options under medical emergencies should include medical evacuation as well as repatriation of mortal remains to India.

4. Trip Delay Insurance

Weather conditions can wreak havoc on flight plans, which is why your travel policy should include reimbursement in case your flight is cancelled or interrupted due to weather conditions. Also, if you are unable to get on your flight due to personal reasons like the death of an immediate family member or sudden illness, reimbursement for your non-refundable prepaid ticket should also be provided.

Additionally, flight delay insurance should be part of your international travel policy, as flights are often delayed due to inclement weather conditions. Coverage for missed connecting flights can also help you deal with additional financial expenses and keep your holiday spirit intact.

5. Personal Liability Cover

Another important feature of your travel policy should provide compensation in case you are liable for a third-party financial claim, whether due to property damage or physical injury. This, again, is crucial as such liabilities are highly expensive when payment has to be made in the currency of the country in which the incident occurred. Without insurance coverage, you could potentially lose your life savings by paying for third-party damages.

Conclusion

Apart from the above, it would be helpful if your travel insurance for international trips provided an allowance for hijack distress, compassionate visits and dental treatment if required post-accident. Look for a travel policy with all these features to ensure that your trip is well-covered financially before you start your overseas trip.