Going abroad? Protect your trip with travel insurance

International Travel Insurance

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Going abroad? Protect your trip with travel insurance

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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.

Benefits of Buying International Travel Insurance

  • Protection Against Uncertainties: Travelling to a new territory may land you in situations you never thought of. Travel insurance for abroad ensures that you are adequately protected from these unannounced problems. Whether you lose your luggage or miss a connecting flight, a travel insurance plan will compensate for every valid claim.
  • Immediate Accessibility to Medical Insurance Cover: Accessing emergency medical services in a country you are traveling to can be both difficult and expensive. A travel insurance plan covers this expense for you and allows you to get treated in the best medical facilities available. International travel insurance has a pre-specified network list for every country it covers. You can use any of the network hospitals to access healthcare services easily.
  • It is a Great Fall-back Option: Insurance, whether travel or any other, is a wonderful fallback option when you find yourself stuck in a financial pickle. Running into such a problem when away from home can be even more stressful. Be it a canceled flight, lost baggage, or even stolen money, your overseas travel insurance plan will cover it all for you.

Types of International Travel Insurance

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.

As per Types of Trips

  • Single-Trip International Travel Insurance: Caters to one-time trips only. Single-trip overseas travel insurance can be bought for trips lasting up to 90-120 days. The maximum number of vacation days can depend on individual providers.
  • Annual Multi-Trip Travel Insurance: Covers all trips taken within the tenure of the plan. This type of international travel insurance plan is ideal when you travel frequently for business or personal reasons.

As Per the Policyholder

  • Individual International Travel Insurance: Made for a single traveler only. Both single-trip and annual multi-trip overseas travel insurance plans can be bought as individual plans.
  • Family International Travel Insurance: These plans are designed for family members traveling together or a group of friends. Anyone older than 30 days and younger than 65-75 years can be included in a family travel insurance for abroad.
  • Student International Travel Insurance: Designed specifically for students traveling abroad for education.
  • Senior Citizen International Travel Insurance: Cater to individuals who are not eligible to be insured in an individual or family travel insurance for abroad. The age limit to buy a senior citizen travel insurance can range between 65 to 75 years.

Inclusions of travel insurance for international travel

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:

  • Emergency Medical Treatment
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains
  • Emergency Dental Treatment
  • Compassionate Visit of a Relative

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:

  • Baggage Delay for checked-in baggage
  • Baggage Loss for checked-in baggage
  • Flight Delays and Cancellations
  • Missed Connecting Flights
  • Hijack Compensation

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.

  • Trip Cancellation or Curtailment
  • Bounced Bookings
  • Loss of Travel Documents
  • Loss of Personal Effects
  • Personal Liability Cover
  • Bail Bond Benefit and Legal Fee Cover
  • Non-Emergency Evacuation
  • Trip Extension Cover

Add-Ons for International Travel Insurance

  • Adventure Sports Cover: This can include several adventure sports like swimming, trekking, kayaking, and recreational sports. Some providers also offer specialized covers for sports like skiing, scuba diving, and rafting. These special covers also include insurance of sports equipment along with medical benefits.
  • Terrorism Cover
  • Stop-Over Extension
  • Cruise Extension Cover
  • Gadget Protection Extension
  • Rental car cover
  • Natural disaster cover
  • Cancel for any reason cover

Exclusions of Travel Insurance for International Travel

  • Traveling even when advised against it by a doctor
  • Trips that are taken for medical reasons
  • Claims arising out of a war or war-like situation
  • Damages did when driving without a permit or under influence of alcohol/drugs
  • Injuries/illnesses caused by substance abuse
  • Loss claims submitted without a police report
  • Self-inflicted injuries or suicide
  • Damages caused by nuclear and radioactive substances or activities
  • Damages/injuries incurred when involved in illegal activities
  • Adventure sports and activities, unless covered by an add-on plan
  • Non-emergency medical expenses
  • Damages caused by known events  
  • Adventure sports like hunting, off-season skiing, professional sports, moto racing, etc.

International Travel Insurance for Covid-19

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.

Eligibility Criteria to Buy International Travel Insurance

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.

How to Buy the Best International Travel Insurance?

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.

How to Choose the Best International Travel Insurance?

Consider the following factors when you are buying your travel insurance for international travel:

  • Destination: Several countries have made travel insurance mandatory for tourists and visitors. Along with that, many countries may even have a minimum specific requirement related to the assured sum of the travel insurance plan. Check and see if the country you are visiting has any such requirements. Choose an international travel insurance plan that corresponds to those specifications.
  • Trip Duration: The duration of your trip will help you decide the number of days you need to get with your travel insurance. If the trip is longer than usual, you can get an extension at an added cost.
  • Frequency of Your Travels: If it is a one-time trip that you are taking, a single-trip international travel insurance plan will be more than sufficient for you. However, if you are to make several trips within a year, it will be best to get an annual multi-trip plan. It will cover all the trips taken within the tenure of one year.
  • Traveling Companions: Individual international travel insurance plans are the best for lone travelers. But if you are traveling with family or friends, it could be more cost-saving to get a family travel insurance plan instead. If senior citizens are accompanying you on the trip, you may need to get a separate senior travel insurance plan for them.
  • Assured Sum of the Plan: Determine the assured sum limit that you would like to have beforehand. Compare travel insurance quotes and find the plan that offers the highest assured sum at the best price.
  • Coverage Scope: If you planning to buy travel insurance for working abroad, you may need to buy an additional cover for your gadget and electronics. Similarly, you may need added protection if you are planning to partake in adventure sports of some kind. The coverage of your plan should be customized according to your trip schedule. Apart from that, check that the basic included benefits are as per your requirements and whether you would like to have a rider with the basic plan.

How to Claim 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.

International Travel Insurance FAQs

Q1. Can I get my visa before getting the travel insurance plan?

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.

Q3. Are pre-existing conditions covered in international travel insurance?

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.

Q4. Can I cancel my single-trip travel insurance with a refund?

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.

Q5. Is there an age limit to buy travel insurance for international travel?

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.

Q6. When does the coverage begin?

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.

Q7. Are trips to multiple countries covered by travel insurance for international travel?

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.

Q8. Can I change the date of my international travel insurance if trip dates change?

Ans. Yes, you can postpone your overseas travel insurance dates up to one year generally.  

Q9. Is a limit on the number of vacation days I can get in single-trip overseas travel insurance?

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.

Q10. What is the minimum age to get insured in a travel insurance plan for children?

Ans. The minimum age to include children in an international travel insurance plan is 30 days.

Q11. Can I buy travel insurance before buying trip bookings?

Ans. Yes, you can get your travel insurance even before buying travel tickets or booking accommodations.

Q12. Can I get treated in any hospital of my choice?

Ans. Yes, as long as the hospital you choose is in the network list of your international travel insurance plan.

Q13. Is pregnancy covered in my travel medical insurance for abroad?

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.

Q14. How many trips would annual multi-trip travel insurance for abroad cover?

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.