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What Can Go Wrong If You Don't Have Travel Insurance on Vacation
[Posted by: InsuringIndia Blog on 15-Mar-2016]
Everyone likes to get away from the hustle and bustle of daily life, for some peace and rejuvenation. Planning that perfect holiday entails getting the right hotel, flight tickets and other factors. Most people tend to forget or overlook the most important aspect of travel: getting a good and comprehensive travel insurance policy that will provide a solid safeguard against unforeseen mishaps and natural disasters.
It is a comprehensive cover for medical and financial emergencies that might arise while travelling domestically or to foreign shores. Depending on the type of policy you choose, you can make a claim on delay or loss of checked-in baggage, loss of important documents. You can also file a claim for accidents, cashless hospitalization and unexpected medical and non-medical facilities.
Travel insurance entails calculation of premium on three crucial factors: your age and health, the distance travelled and duration of travel. In other words, the farther you travel, the higher your premium will be. Another point to be kept in mind is that most insurance companies will not offer travel insurance in cases of major pre existing diseases or in cases of illness related to drug and alcohol abuse.
Baggage / passport / other documents being lost while travelling: Almost everyone harbors a mistaken belief that baggage can be lost only while on international travel. Wrong. This can also happen when you’re travelling domestically and can cause a great deal of stress and tension. If you’re not insured then things can get really hard for you. But if you’ve had the foresight of taking travel insurance, then things can be smooth and hassle free. A call to the emergency number would not only help you get a duplicate passport, but all the related expenses incurred are also taken care of by the insurer. Also, misplacing or losing one's baggage in transit while taking multiple flights is very common. In some cases, it could take many days to track the baggage and get it back. In such a situation, a valid travel insurance policy would provide compensation. If you lose your baggage, the insurer would also pay you a pre-approved sum as stated in the policy immediately to cover for your losses. 
Medical Cover:  Everyone tends to take their health for granted. Only when you fall ill, that you realize your own mortality and vulnerability. But if you experience a health emergency, including injuries, which require instant medical attention, not having travel insurance can be a big setback. Travel insurance plans cover emergency medical assistance as well as related transportation costs. It covers diagnostic tests, ambulance charges, in and outpatient treatment, evacuation charges and travel costs to hospital and cashless hospitalization.
Cancellation of flight: Last-minute illness, personal emergency or a death can result in cancellation and if bookings are non-refundable, a travel plan that has cancellation coverage will come to your aid at such times through reimbursements of such costs. 
Emergency evacuation: It’s hard to predict when a natural or man-made calamity will strike. Tsunamis, earthquakes, landslides and terrorist attacks are all instances where emergency evacuation is a must. If you have an insurance cover, the onus is on the company to evacuate the insured person back and provide medical.
While buying any insurance policy always read the fine print and compare existing policies --premium, benefits, disadvantages, sops, terms and conditions--to see what suits your needs the best. It's always best to buy an insurance policy online as it saves time, is cost effective & is a transparent option.

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*This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for an individual health policy with the sum insured of Rs. 5 lakhs.
**This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for a term plan, with the sum insured of Rs. 30 lakhs, and the premium paying term of 30 years.
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