Travel insurance in India is not in great demands. There is no dearth of travel enthusiasts in India but when it comes to buying a travel insurance policy, travelers seem reluctant. This is chiefly because; travelers are under wrong impression about the utilities of travel insurance online plans. They don’t consider overseas travel insurance policies worth investing let alone domestic travel insurance plans. However, this is far from being the truth. An international travel insurance policy is of utmost importance. Here are the top 5 myths why travelers shun travel insurance companies in India.
Health insurance is good enough Travelers who are armed with a health insurance wrongly think that their health coverage is valid in their travel destinations. However, most health policies offer protection only within India. So, to cover medical expenses in foreign countries due to sickness as well as accidents, travelers need to buy travel insurance in India before embarking on a trip. Medical expenses in countries like US, Canada are very high so investing in a travel insurance policy is worthwhile. Apart from health hazards; travel insurance companies provide many other benefits as well. Airlines take care of flight cancellation and delay Many travelers assume that their financial losses due to flight delay and cancellation are taken care of by airlines companies. In reality, these carriers neither compensate for such unexpected situations nor arrange for any alternative flight. A comprehensive travel insurance policy keeps travelers financially protected in these situations. Most travel insurance companies however, come with an upper limit when it comes to providing accommodation and meal expenses. Travel insurance doesn’t cover item losses Some travelers are not aware of the fact that a travel insurance policy covers loss of important documents like flight boarding tickets and passport. So, even if travelers lose these important documents, they can claim the cost of processing a duplicate one. Most travel insurance companies cover such losses on reimbursement basis. Apart from documents, travel insurance online plans also cover loss and delay of checked baggage. Baggage that is delayed for more than 12 hours is eligible for compensation by travel insurance companies. Travel insurance doesn’t cover sports activities Of late, some travel insurance companies have come up with coverage against adventurous sports. Many travelers love to take part in such activities and they don’t know that losses due to participating in such sports are under the coverage of these newly introduced travel insurance online plans. Traveling within India is completely safe Most domestic travelers tend to undermine the importance of domestic travel insurance policy as they think a domestic trip is totally secured. But hazards like train or flight delay, baggage theft, sickness and accident can befall any time. So, it is prudent to avail domestic travel insurance and stay financially protected throughout their tours. Apart from these myths, travelers also think all travel insurance companies offer the same travel insurance in India. However, all plans differ so travelers should compare travel insurance online plans to get the best coverage as per their needs and budget.
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