Benefits Of Travel Insurance
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Benefits of Travel Insurance

Travel insurance is insurance that is intended to cover medical expenses and financial (such as money invested in non-refundable pre-payments) and other losses incurred while travelling, either within one’s own country, or internationally. For example, Travel Insurance covers:

  • Trip Cancellation/Interruption
  • Medical emergency
  • Events like delay or missed departure
  • Delayed arrival or Loss of baggage
  • Passport loss and legal expenses

What is covered by Travel Insurance?

The most common risks that are covered by travel insurance are:

  • Medical expenses
  • Emergency evacuation/repatriation
  • Overseas funeral expenses
  • Accidental death, injury or disablement benefit
  • Cancellation
  • Curtailment
  • Delayed departure
  • Loss, theft or damage to personal possessions and money (including travel documents)
  • Delayed baggage (and emergency replacement of essential items)
  • Legal assistance
  • Personal liability and rental car damage excess

What is excluded in the coverage?

Medical expenses arising out of:

  • Pre-existing conditions except in case of life-threatening situations
  • Addiction to alcohol, drugs
  • Mental disorder, anxiety, depression
  • Venereal diseases
  • Sexually transmitted diseases, AIDS, HIV
  • Radiation, nuclear weapons induced
  • Sporting activities
  • Loss of passport in public place
  • Expenses arising out of loss of valuables, money, securities, and tickets
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