Things that Must Be Covered by Your Travel Insurance

travel insurance myths

travel insurance myths

There are countless reasons a person can have for travelling to a new destination. Whether it is a business trip or a long vacation, everyone travels at some point in their life. The only difference is that some people do it more often than others. However, for those who do not travel much, international travel insurance may not seem like an important thing to spend money on. More precisely, because travel has its own budget, people believe that it is better to spend money on things that would make their trip more pleasant instead of travel insurance. However, it is very dangerous to do so.

The list of issues that can suddenly arise while you travel is quite large. Being away from home while being challenged by such issues will make things worse for you. In this situation, you have no emotional or financial support to rely on. Travel insurance is designed to solve this exact problem. While there are many unique experiences to enjoy while traveling, it works with the idea that you also have the tool to protect yourself. So, here’s all you need to do to make sure your travel insurance has so that you can enjoy your trip uninterrupted:


  • Flight delay / cancellation

A huge amount of your travel time and expense will go towards moving from one place to another on your journey. In the case of international travel, a lot of money has to be spent on long flights, connecting flights, etc. So, if anything goes wrong with your flight booking cancellations, delays, etc., you may be in a very difficult situation. For example, there may be many factors such as bad weather, civil unrest and so on.

In such a situation, travel insurance can help you manage the situation. With your travel insurance, you can get tickets for a new flight. The policy covers the price of the new flight tickets. Also, if you have to wait a long time in one place for your new flight, travel insurance can help you make arrangements. If your flight cancellation puts you in a position where you need a place to stay, a travel insurance policy will cover the hotel cost.


  • Damage / theft of goods

The journey involves a lot of care and attention. This applies not only to your well-being but also to your belongings. Therefore, it is always a good idea to keep your valuables in a safe place. However, being even more cautious will not hurt anyone. Losing or stealing your luggage while traveling is one of the biggest concerns associated with travel. True, this does not happen to every person, it is impossible to say whether it will happen to you. A travel insurance policy ensures that you are prepared for such a situation. All you have to do is notify the insurance provider through the travel insurance app. The insurance provider will coordinate with regional officials to recover missing items.


  • Losing passport

The most important thing you have when traveling internationally is a passport. Passport is basically a global identity card. It proves that you are a citizen of your country. So, it is valid anywhere in the world. However, it is necessary to enter a country and stay there. So, this is a mandatory document that should be with you in another country at all times. Losing or misplacing a passport can put you in trouble. You may have traveled to the country through the due process, but you will get in trouble with the authorities in that area for not showing your passport when asked. In this case, your travel insurance provider can help you obtain a temporary passport for the rest of your trip.


  • Medical expenses

Whatever you do, a medical condition can occur anytime and anywhere. You cannot plan a trip based on when you might not have any health-related issues. However, does this mean you should not travel at all? No, all you have to do is be prepared if you get sick while travelling. You can do this if you buy travel insurance online.

The obvious doubt people have is that why do they need travel insurance for medical issues when they already have health insurance. Simply put, the health insurance policy you have applies only in your home country. Therefore, you will not have health coverage when traveling internationally. With travel insurance, you do not have to worry about your heart condition the next time you enjoy a vacation in France. The policy will cover your treatment costs in the country.

For all your insurance & wellness needs, download ICICI Lombard’s ILTakeCare App, from Playstore & Appstore today.

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