Tourism is becoming a major industry given all the advancements in travel. The world is becoming a more connected place and "Around the world in 80 days" has indeed become a reality. More and more people are extensively travelling for education, employment, business or just to satisfy that wanderlust in them. Travelling to a foreign country, whatever be the purpose, is an exciting affair. But, tables could turn in a moment if some unforeseen incident strikes. Events like baggage delay, loss of passport, plane hijack and medical emergencies could disrupt your schedule and cost you dearly. Also, the cost of medical treatment is considerably expensive overseas and an emergency in a foreign land could prove to be disastrous. Hence, it is important to ensure that you are covered under a comprehensive travel insurance policy.
For people who do not travel frequently, a single trip travel insurance policy could prove to be very useful. Offered by all major insurance companies in India, a single trip travel insurance policy will offer cover against all major risks and will also help you cut down the premium costs.
A single trip insurance policy essentially covers a single overseas trip. A single trip insurance policy will last until you return home from your trip. All insurers have a limit on the number of days that count as a single trip.
Single trip insurance policies are apt if you are making not more than one trip an year. As opposed to a single trip travel insurance policy, an annual travel insurance policy covers you for an entire year from the policy start date. Multi-trip policies are best suited for frequent travelers.
Here are some the risks that are covered under the single trip travel insurance policy.
Please refer your policy wordings carefully to understand the inclusions and exclusions before purchasing a single trip travel insurance policy.
The following perils are risks are generally excluded from a single trip travel insurance policy cover.
Do enquire with your insurance provider about a comprehensive list of policy exclusions for your travel insurance policy type.
The maximum trip length differs based on the insurance provider. Do enquire about the maximum trip length with your insurance company before purchasing a single-trip travel insurance policy.
No, any claim arising out of or due to pre-existing medical ailments is not covered under most of the single trip travel insurance policy. However, depending on your plan type and policy scheme, you might be offered some concession. Do contact your travel insurance provider for more details.
Most of the single-trip travel insurance policies in the market are designed for both business and leisure travelers.
Most insurers cover the following costs - In-patient and out-patient medical treatment costs, radiotherapy, medical aid, x-ray, photo therapy, costs of diagnostic tests, costs of transportation to medical care facility and costs for emergency services.
You will have to submit the letter from airlines regarding loss of your baggage, list of contents in the baggage with approximate cost, policy copy, boarding pass, bills of any necessary items that you purchases because of baggage loss and passport copy.
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