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6 Reasons to Opt for Overseas Travel Insurance

6 Reasons to Opt for Overseas Travel Insurance

Guest Post | @indiablooms | 10 Jun 2020, 07:35 am

There is a lot of this beautiful world to explore. Foreign countries have everything that fascinates you to plan an overseas trip. But, these days, due to major coronavirus outbreak, overseas travel has put on a halt to curtail the spread of the virus. However, considering the repercussion of coronavirus on the global economy, now the authorities of different countries are planning to resume international travel. So, hopefully, with safety measures and guidelines, you can travel overseas for your different purposes soon. However, if the question strikes in your mind that after travel guidelines and safety precautions, you still need overseas travel insurance, then here is your answer?

Cashless Hospitalization- Under travel insurance, you can avail of cashless hospitalization facility at the time of any medical emergency in a foreign country. You neither not to get into the cumbersome cash deposit formalities nor you need to arrange a lump sum amount of cash for your treatment. Your treatment can start immediately, and your travel insurance company pays all your hospitalization bills subject to the policy terms and conditions.

Extensive Coverage – A comprehensive travel insurance policy offered by trusted brands like Religare Health Insurance, HDFC Ergo, ICICI Lombard, provide extensive coverage even for coronavirus as well. Situations like an emergency hospitalization, loss of baggage, loss of passport, trip delays or cancellation, accidents, and injuries all are covered under a travel insurance policy. Cashless treatment facility and reimbursement for all such expenses will be provided up to the sum insured.

Pre-Requisite for Visa- If you want to travel to countries like Schengen, Russia, the USA, UAE, etc. overseas travel insurance is a pre-requisite for all the foreign nationals to obtain the visa. After travel insurance, you can apply for the visa process online, which is a convenient and quick process.

Cover Medical Emergencies -After, coronavirus pandemic, there are high chances of medical emergencies such as high fever, respiratory infection, skin allergies, etc. when you travel to foreign countries. The travel insurance policy covers expenses for immediate hospitalization, surgery, dental treatment, medical evacuation, and personal accident. You can also get the reimbursement for all the expenses up to the sum insured during medical emergencies.

Cover Non-Medical Emergencies -International travel insurance not only covers medical emergency but also provide coverage for non-medical emergencies as well. From up-gradation to business class, to repatriation of mortal remains, loss of checked-in baggage, and loss of passport the expenses will be borne by your travel insurance provider. 2-way compassionate visit, bail bond, personal liability, and obtaining a duplicate copy of lost passport are some also covered under travel insurance.

Trip Delays/Cancellation- The impact of COVID-19 on your travel plans such as trip delays and cancellation can cause you financial damage. But travel insurance reimburses your losses up to the sum insured for the money that you have already spent. For reimbursement, you need to get written confirmation about delays or cancellations for specified consecutive hours from your travel agents and inform your travel insurance company about the delay or cancellation.


Amid corona lockdown, you can feel staying at home a bit depressing. But, when it comes to yours and your family’s health, it’s better to follow the lockdown and quarantine rules and stay at home.  However, in case of urgency, according to the latest travel advisory and travel insurance, you can plan your trip for the next coming months. Although, the coverage, inclusions, exclusions, and claim process under travel insurance are solely the discretion of travel insurance companies.