What a travel insurance policy covers?

The awareness of buying travel insurance in India is very low. All the travelers purchase their suite that best needs the travel purpose. They don’t think about the protection of their travel from any of the unforeseen incidents. But, the need for travel insurance increases nowadays because of the increasing number of theft, crimes, etc. There is nothing wrong in learning about the travel insurance, if it suits your need you can purchase them. This articles explores the travel insurance and talks about what are the things covered in travel insurance.  If you have any questions, please write it on the comments section. If you want to receive the future articles, please subscribe here.

• Travel insurance in India 

Pre-existing Medical conditions

This is most common exclusion from many insurance policies. If you are suffering from any of the pre-existing illness which needs the attention and check up, those illness will not be covered in the policy. Also, if there is any complication from a surgery which happened prior to the travel, that will not be covered in the policy. before taking the policy, please read the list of illness covered under this policy.

Pregnancy

Most of the insurance policies treats pregnancy as the pre-existing illness and will not be covered in the policy. Also if it is covered, there will be number of restrictions on what condition it will be covered in the policy. So, if you are pregnancy while traveling, please make sure you are taking the right measures.

• Leave Travel Allowance (LTA)

Mental Health

Mental illness, emotional break-down that result from wounds created by self will not be covered in the policy. If you have hyper tension and due to that making damage to your body, travel insurance will not be liable to pay your damage.

Loss of belongings

If you have missed any of the items because theft or fire, in that case those losses will be covered in the policy.

Cancel of trip

For any reason, if you are cancelling the tour then the company would reimburse the expenses you have made for the travel. Note that you have to cancel the trip. The expenses include ticket, hotel bookings, etc.

The above are only the very basic details to know about the travel insurance. if you need more details, please read my earlier article Travel insurance in India  which provides lot more details about the travel insurance. If you have any questions, please write it in the comments section. If you are interested in receiving the future articles, please subscribe here.