Now that you have bought a tour to India, do you have adequate travel protection?

Nothing will go wrong on a vacation, is a common thought experienced by travelers across the globe. Ask those who have had unpleasant voyages. To help you make an informed decision, travel insurance, discussed here under.

Reasons for Travel Insurance

Trip cancellation or unpredictable medical expenses are just few of the reasons why you need travel insurance. Consider these pointers for purchasing an appropriate protection policy while you are travelling.  

 Are you traveling overseas?

Can you afford the cost of a return trip in case of an emergency that strikes back home?

Are you planning to participate in extreme sports?

Can you afford emergency medical expenses, when you or your family falls sick?

If you aren’t prepared for such potential problems, your dream vacation to India will turn into a nightmare. With a tailor-made travel insurance policy, safeguard your finances and life.  

Few benefits offered by travel insurance covers include payment of $20,000 in case of emergency evacuation via helicopter, refund of $200 for trip delays or cancellation.

What does Travel Insurance Cover

Travel insurance protects you and your family against unforeseen circumstances on vacation. It offers financial protection in the event of emergency medical assistance, accidental death; trip cancellation, general and special medical assistance, which otherwise may leave you penniless, if you had to pay it out of your pocket.

After a long hiatus, you planned to enjoy spring in India, but your spouse fell sick and you had to cancel the trip. Often we face unpredictable circumstances that demand trip cancellation. We feel depressed, yet gain peace of mind, knowing that we have travel insurance that will cover the delay in our trip caused by illness, business conflicts, delay in Visa processing, inappropriate weather or an act of terrorism. The policy pays the difference between the refund from the vendor and the amount you paid initially for the trip.

On vacation, if the policyholder falls sick or sustains injury, the travel medical and major medical insurance will cover the medical expenses.

Travel medical insurance will provide short-term medical coverage, from five days to up to one year. While, major medical insurance covers longer trips that last from six months to one year and beyond.

Emergency medical evacuation insurance is extremely useful, should you be stranded in a remote area without an easy access to required facilities.

Accidental death and flight accident insurance benefits the deceased family members, similarly to a life insurance policy.

Specialized coverage involves business travelers and extreme athletes.

We at wildplanettours.com recommend consulting your insurance company prior travelling to India, as there may be special criterion to fulfill. For example, Medicare does not offer global coverage for your medical expenses, other than Canada and U.S.

In addition, register your travel plans with the State Department via their Travel Registration website. It makes easier for the nearest embassy to contact you in case of state or national emergency while you are globetrotting.