Travel insurance usually covers you for: • Illness/ injury during travel. • Theft of money/ luggage/ documents. Few airlines wouldnt let you fly without a travel insurance (Check with your Airline) How much? A basic cover should help you out for loss of passports & general medical attention and an extensive cover will take care of your complete medical needs in case of an emergency while you travel. Booking your Flight Tickets using a Credit Card would usually give you a cover, which would be definitely lower than what a basic cover offers you. Check before you accept the cover, instead pay up a little and upgrade the plan which your credit card offers.
An ideal travel policy should cover you for: • The whole time that you are away, whether that is a day or a year. • It must include cover for emergency medical treatment, hospitalisation and repatriation (sending you home).
• Any activities and sports you might do.
• Personal liability for injury or damage to others and their property. • Cancellation if you have to abandon your trip. Cancellation cover should start as soon as you book your trip.
• 24-hour emergency service and assistance if things go wrong the assistance company will help you to sort everything out.
• Possessions cover, including money and documents to specified limits.
• Personal accident - money paid on death or permanent disability.
• Legal expenses - to help you pursue compensation for damages following personal injury.
Remember: • Take your policy number and the 24-hour emergency phone number with you
• Call for the Insurance company’s assistance as soon as possible after a problem arises.
• Keep the papers / Documents which are the proof of an incident like tickets, receipts, medical bills, Police Reports and etc…
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