Going abroad? Protect your trip with travel insurance
Traveling to new and uncharted territories brings in a feeling no less than what playing an adventure sport would. But there is more to traveling abroad than just a simple adrenaline rush. There are preparations to make, packing to be done, booking to be made and many more things. One of these very important things is to get a proper international travel insurance plan. Travel insurance for abroad is an essential thing, on par with obtaining a visa or getting your international driver permit. One needs to have complete knowledge of overseas travel insurance in order to find the right plan for their journey. Building along the same lines, this piece will cover all important aspects of travel insurance for international travel including the types, benefits, and claim process.
Travel insurance abroad can be divided into two main categories and six sub-categories. Given below is the complete segregation of all types of overseas travel insurance.
Overseas travel insurance cover inclusions can be divided into three basic parts – medical insurance, travel inconvenience, and flight and baggage cover. Given below is a breakdown of the same:
Travel Medical Insurance Cover: The medical cover offered by travel insurance abroad includes almost all services and benefits that you might need in a medical emergency. The plan benefits are generally limited to emergency services only. Following are the parts of travel medical insurance cover:
Flight and Baggage Cover: From flight delays to cancellations and more, the flight and baggage cover ensures that you do not face any losses without compensation when traveling to your destination. Given below are the benefits offered in this cover:
Travel Inconvenience and Interruption Cover: The most extensive coverage of all three parts, travel inconvenience, and interruption cover provide compensation benefit for the troubles you face during your trip. From losing luggage to getting an extension, every unforeseen trouble is covered in this cover.
Most travel insurances for international travel now offer a cover for Covid-19 diagnosis as well. This cover only comes into the picture if you have been diagnosed with Covid-19 when on the trip and are required to undergo mandatory quarantine. The length of quarantine days covered by an international travel insurance plan can differ for every provider. However, the most commonly available cover ranges for up to 7 days. Mandatory quarantine upon arrival is not covered by this benefit though. Quarantine following the positive PCR test results for Covid-19 is covered.
Anyone older than 18 years can buy a travel insurance plan in their name. The category-wise eligibility can differ a little. For example, senior citizen travel insurance can only be bought by folks older than 60-65 years, depending on the provider terms. The upper age of buying international travel insurance can also differ as per the providers. However, the standard trend suggests that the bracket is 60-70 years for an individual, family, and other travel insurance plans that do not cater to senior citizens. As long you are a UAE citizen or a resident with valid documents to support your application, you can buy any international travel insurance plan available in the country.
You can easily buy your international travel insurance online as well as offline. To buy international travel insurance online, you can visit PolicyBazaar UAE, choose the provider you like the best, browse through the plans and select one, and complete the purchasing process using the purchasing portal. The steps are pretty straightforward and the procedure is streamlined. You can also provide a website if you like and buy your international travel insurance online from there. To buy your travel insurance plan offline, you either need to find an insurance agent from the provider you want to go with or visit a branch of the provider. The further purchasing process will be handled by an agent or executive assigned to you.
Consider the following factors when you are buying your travel insurance for international travel:
Submitting your claim against travel insurance abroad is a rather easy but variated process. Since there are a lot of different elements covered by travel insurance, the claim process for each can differ. Your emergency medical expenses are covered by cashless claims. Just inform the insurance company and get the claim approved. Benefits like trip cancellation, curtailment, baggage loss, and baggage can be obtained in the form of reimbursement or compensation. The first step is to call and inform your insurance company in case there is a problem. Obtain a police report if the incident involves any kind of theft, accident or public liability. Raise an official claim request by filling out forms and required documents. You will receive the reimbursement/compensation in a short while.
Ans. If the country you are traveling to does not have mandatory requirements for travel insurance, you can get your visa before buying the travel insurance plan. However, if there is a mandatory requirement for travel insurance, you will need documents related to the insurance to get your visa.
Q2. Do I need to go through a medical exam before buying international travel insurance?
Ans. Most travel insurance providers do not require you to go through medical examinations when buying a travel insurance plan. However, you must declare if you have any existing health complications.
Ans. No, most travel insurance plans do not offer medical coverage for the treatment of pre-existing diseases. However, you may be able to find an add-on for this coverage with a few providers.
Ans. You can cancel your single-trip travel insurance and probably get a refund if the trip has not already started. Cancellations are still available after the trip has begun but there will be no refund.
Ans. The minimum age limit to buy a travel insurance plan is 18 years. The maximum age of buying travel insurance can be anywhere between 65-75 years, depending on the provider.
Ans. The coverage of your travel insurance plan starts from the start date of your trip. Benefits like trip cancellation due to unforeseen reasons are active from the date you bought the plan.
Ans. Yes, most travel insurance providers have the arrangement to include several destinations in one single insurance plan. Make sure you inform your provider beforehand to add additional countries to the plan.
Ans. Yes, you can postpone your overseas travel insurance dates up to one year generally.
Ans. Single-trip international travel insurance plans can be bought for trips that last no more than 90-120 days. The exact limit can differ according to the provider’s unique terms and conditions.
Ans. The minimum age to include children in an international travel insurance plan is 30 days.
Ans. Yes, you can get your travel insurance even before buying travel tickets or booking accommodations.
Ans. Yes, as long as the hospital you choose is in the network list of your international travel insurance plan.
Ans. No, pregnancy is not covered under the medical benefits offered by your travel insurance for abroad. However, some plans may cover complicated pregnancies. It is best to check with your provider beforehand.
Ans. Annual multi-trip travel insurance plans cover all trips you take within the tenure. However, the length of each trip that you take within the tenure should be within the prescribed number of vacations days by the provider.