Travel is associated with all the positive things like fun, adventure, relaxing or work. All this while, people seldom think about the accident, medical emergency, loss of baggage or documents that might occur during their travel.
Incidents like these are unpredictable and hence, having travel insurance acts as a safety net against exigencies that might take place in an unknown city/country.
However, before buying travel insurance one must be aware of the kind of plans that are available. It can be customised based on the needs of the customer and is not a one size fits all product. Below are a few things one needs to consider before buying a travel insurance plan.
Select travel insurance that suits your needs and opts for coverage based on the nature of your trip. In case you are traveling for work, you can opt for a basic plan that covers your loss of baggage, passport, medical expenses, and a personal accident cover. In case you are planning to go for adventure sports during your travel, over and above the basic travel insurance plan do check if you need to opt for an additional rider or optional cover. Such policy add ons cover accidents arising out of participation in adventure sports and provide benefit amount in case of death or permanent total disability caused by accidental bodily injury due to adventure sports.
By Sasikumar Adidamu,
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