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Travel Insurance Myths Busted

Posted On : 14 July 2023, 9 Months Ago. Travel Total Read 177

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When you plan to go on a tour, there is always a risk of mishaps during the course of your trip. It may be due to sudden ill health or any other unexpected incident that might take place. Moreover, this can lead to a huge problem during your trip, especially in countries where being insured means a lot.

Travel insurance is your ticket to adventure and a practical example of peace of mind. Knowing that assistance is only a phone call away allows the traveller to concentrate on what matters most to them—their trip.

Travel insurance is a policy that helps you get the money to repair any part of your journey or for health insurance claims. Moreover, travel insurance covers a long list of things, from getting stuck in a hotel far from home for longer than expected to end up in the hospital.

Myths Related to Travel Insurance

Before leaving for the trip, you should take insurance against all kinds of problems and accidents. But unfortunately, there are some myths that stop people from buying travel insurance.

To help you figure out precisely what travel insurance is all about, we've listed the common myths surrounding this service.

Myth 1. Separate Insurance Plans are Needed for Every Family Member

Travel insurance is a means of protecting your and your family's travel plans. Travel insurance is beneficial for those people who are planning to travel abroad. However, most travellers think they have to buy separate policies for each family member when travelling abroad. But this is not true. An annual approach gives you and your family complete protection regarding pre & post-hospitalisation and many more.

Understand your family's requirements with respect to travel insurance and decide on the coverage that suits you best. Furthermore, travel insurance prices depend on the type of cover it offers, the number of insured members, and when you buy it. With a bit of analysis, one can easily find travel insurance according to their needs.

Myth 2. Travel Insurance Will Cover the Mistakes of the Owner Too

Travel insurance is a kind of insurance that provides protection to an individual, usually while travelling abroad. However, some people think that just because they have insurance, that makes their journey and all its luxuries risk-free. But this is not the case at all.

At some points, if the owner of the travel insurance isn't attentive regarding the luggage or other things carried during the trip, the owner will be solely responsible for the mishappening, and it won't be covered under the Travel Insurance.

Myth 3. Health Insurance Is Enough While Travelling

During long trips, the travellers ensure they are well covered with health insurance which will cover all the expenses. But that is not the case, as many health insurances aren't even operational during international trips, making things difficult for the traveller.

However, in travel insurance, apart from the medical facilities, other things are also covered in the plans. Moreover, it ensures that the traveller travels without any problem and enjoys the trip as much as possible.

Myth 4. Travellers Can Report Mishappening at Any Time

While looking at the list of documents for the travel insurance portion of the form, the insurance owner is reminded before that the mishappening regarding the luggage or anything has to be reported within 24 hours of the accident.

Moreover, health insurance claims under 24 hours will cover the required cost and other things so that the traveller can easily reap the benefits of the insurance. In this way, insurers can avoid being liable for claims on accidents that were reported at that time.

Myth 5. Every Travel Insurance Offers the Same Services

Travel insurance has been termed as insurance that is specifically bought to cover travel-related costs. However, numerous types of travel insurance plans offered to the consumer vary significantly. Furthermore, it covers consumers against a large variety of risks, including trip cancellation, interruption, missed connections, and accidents while on travel.

In fact, travel insurance quotes vary based on various factors like the age of the traveller, the trip type, duration, and so many others. This makes it difficult for someone to get the right one.

Myth 6. Claiming Travel Insurance Is a Hectic Process

Every traveller thinks that claiming travel insurance is a long process and would involve a certain period of time. However, it is not the case because as early as the traveller reports an accident, the insurance company starts working on it. The insurance company's claim settlement network is designed to help you in case of a foreign trip.

The insurer may have partnered with different service providers worldwide, depending upon your country of residence and the country you would be travelling to. Once you contact the insurer with your insurance policy, the insurer will then decide which service provider in that particular country should take care of handling your claim.

Conclusion

During the old times, travelling from one place to another gave people plenty of time to think about things. But with the extensive technology and the spread of the internet, people have little time for themselves. As everyone is busy putting in more hours at work and entertaining themselves, finding good travel insurance is very important.

Good travel insurance can protect you from all kinds of unexpected situations during your travels, which may lead to medical expenses or even loss of your holiday because of some unforeseen accidents. Here, it would be essential for these travellers to get a travel insurance policy from Niva Bupa, so that in case such an issue occurs, cashless hospitalisation can be done effectively.

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