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Travel Insurance

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Miles of Smiles for the insured traveler

Most travelers go through the minutest details of their journey from where to stay to what to eat to even checking what temperatures and weather conditions they will face at the destination of their travel. Dozens of user-trusted travel websites and guides offer reams of advice to the discerning traveler. Every aspect of the trip is planned and double-checked. Something that almost everyone misses out on is travel insurance. It is considered one of those innocuous things that is part of the to-do list but doesn’t really command your attention. It is a mere formality and you expect your travel agent to take care of it.

But there is a lot more to travel insurance than what appears on the surface. There are dozens of policies that vary depending on the age of the travelers, destination of travel, the number of days the trip is for and the type of travelling they indulge in. For instance, if you were to meet with an incident while trying your hand at hang gliding or other adventure sports, your travel insurance may not cover that.

With more people travelling to newer shores, it is imperative that the correct travel insurance policy is selected. A smart choice at the beginning of your trip can make the difference between the best vacation of your life and a never-ending nightmare. Travel insurance in India usually covers contingencies like cancellation, missed flights, baggage loss, passport loss, medical emergencies, emergency evacuation and even a hijack distress allowance. One doesn’t really know when disaster may strike but it’s always best to be prepared. Knowing what your travel entails can help you seek the right policy.

Some policies do not cover pre-existing medical conditions like asthma, diabetes etc. Imagine finding yourself in the rarified atmosphere of the Swiss Alps and experiencing the oncoming of an asthma attack and you are helpless because your policy covers just about everything other than pre-existing ailments. Cover on several policies may not factor the cost of smartphones, tablets, laptops or DSLR cameras that most travelers wouldn’t think of doing without. Imagine losing all of that with your luggage only to find out that you get a paltry sum as compensation because your policy doesn’t include the cost of expensive gadgets. While all policies are sympathetic towards missed flights, some may not include a clause that accounts for fog cover at the airport. A little bit of research before purchasing travel insurance can save you regret at a later stage.

There are smart ways to get travel insurance. The first is to not simply rely on the judgment of a travel agent to get you a policy. Do some online research and look for policies that suit your requirements. A good travel insurance company will fix you up with a policy that takes care of all your requirements. If you travel many times a year, get a multi-trip policy that saves you the effort and may work out to be cheaper. And if you are one of those travelers who only go on family vacations, a Family Cover works out cheaper than individual policies. Travel comes with a lot of variables and with the right travel insurance policy under your wing; you can easily sit back and enjoy every bit of your holiday with the peace of mind that you are covered for almost all contingencies. So, next time you plan a trip, don’t forget to put travel insurance at the top of your to-do list to have a hassle-free holiday.