A travel insurance plan is an essential addition to your travel plans. The plan provides all the basic coverage features and proves helpful in times of emergencies, which we face when we travel. Any contingency faced during a trip not only causes us inconvenience, it also involves financial outflows. A travel insurance plan plugs these financial outflows and reduces our inconvenience. As such, travel insurance is beneficial. But do travelers understand the importance of a travel insurance plan?
Sadly, they don’t. In fact, they have ridiculous reasons up their sleeves to avoid a travel insurance plan. Here is a look at some of the classic reasons for not buying a travel insurance plan:
This excuse is the most common one. Many travelers are young and healthy and believe that no medical contingency would befall them. What about accidental injuries? Do they depend on your age and health? Accidents are common and uncertain and might befall anyone. Accidental injuries also result in hospitalization and getting treatments abroad is an expensive affair. If you do not have a travel insurance plan, how would you meet the treatment costs?
Besides, other than the all-important medical coverage, a travel insurance plan also provides other coverage features. These features are also important and relevant when travelling.
Thinking ahead and pre-booking your travel itinerary is a wise choice. But what if your bookings go awry due to unavoidable circumstances? My neighbors were victims of this. They made all their prior bookings and reservations. However, their flight was delayed due to which they missed their connecting flight. As a result, they had to spend one night in a hotel. Due to spot booking of the room, they ended up paying a double fare. They didn’t have a travel insurance plan and incurred the additional expense themselves. They had also made prior arrangements and yet they faced a contingency. Relatable, isn’t it? Surprises might await you even if you preplan your trip. A travel insurance plan helps you in facing these surprises and is, thus, necessary.
Have you ever generated a travel insurance quote? You would say this only if you haven’t. A travel insurance plan is very cheap. The premiums charged are very affordable. Compared to the coverage provided by the plan, the premiums are justified. So, if you avoid a travel insurance plan thinking it to be expensive, reconsider. It is not expensive at all.
Whether you are travelling in India or abroad, a travel insurance plan is important. Paying for medical contingencies is expensive, whether you avail treatments in India or abroad. Moreover, you might also face other contingencies (like loss of baggage or passport, trip delay, trip cancellation, emergency evacuation, personal accident, etc.) even when travelling within India. These contingencies, cost money and a travel insurance plan are the best way to pay for them.
Normal travel insurance plans limit the entry age to 65 years. As such, people skip a travel insurance plan thinking their age would not permit them a plan. However, it is not true. There are senior citizen travel insurance plans which are designed for senior citizens. So, if you are old, look for senior citizen travel plans. Don’t skip on the plan altogether.
Which of these ridiculous reasons do you give when you skip buying a travel insurance plan?
A travel insurance plan is essential whenever you take a trip. The coverage it extends is comprehensive and helps you against financial contingencies faced when travelling. Some popular coverage features a travel insurance plan has includes –
Moreover, different travel insurance plans offer additional coverage features which make the coverage comprehensive. For instance, many travel insurance plans provide home burglary insurance which protects your household contents against theft in your absence. So, stop giving excuses and buy a travel insurance plan today.