First of all, before going granular into travel insurance, you should know about why you should opt for travel insurance. Travelling outside your country, there are lots of things to be considered like securing cash, your passport and other documents. Then, there are unforeseen circumstances to be pre-empted – you may lose your documents, your flight might get canceled or you could get sick. For all such downside, you need insurance to protect yourself. The legal documents that you carry (such as passport) are your legal identity in another country. In every situation, travel insurance will cover you and your losses.
One of my friends was flying to Los Angeles and I suggested he take travel insurance while booking the flight, but he said that he was already covered under health insurance and did not see merit in purchasing travel insurance. While I did explain to him other benefits besides health such as being covered for up to 100% trip cancellation, trip interruption, delay in trip, baggage delay, emergency evacuation and even emergency medical expenses but he was not convinced. He had read certain bad reviews about travel insurance that had adversely affected his perception of travel insurance. Unfortunately, he lost his baggage along with traveler’s checks during his trip and faced a lot of problem, which is when he realized the importance of travel insurance.
Given this background, here are a few important Q&As that will help clear the air around travel insurance
- Is there an age limit to be covered under Travel Insurance Plan?
Passengers above the age of 70 and less than 6 months can’t buy travel insurance. But some of the insurance companies would provide for those whose age ranges between 1 to 99 years.
- Can I purchase Travel insurance if I’m traveling for more than 90 days?
Yes, but first it will work for the next 30 days batch, so you can extend your insurance’s expiry date till your departure.
- Who would be the beneficiary under this travel insurance?
Your assigned nominee will receive the amount of your policy, in case of any life eventuality. Nominee can be anyone who is connected to you via blood relationship.
- Once I purchase the travel insurance can I change the date of my travel?
Yes, you can. All insurance companies provide you that facility. This helps you to make changes in your travel plans without any worry.
- Do I have to carry a copy of my Certificate of Insurance with me when traveling?
Not necessary, but I would encourage you to carry a copy of your insurance certificate. A soft copy of your insurance is usually always sent to your email id.
- What kind of benefits do I get with the Travel insurance plan?
Policy will cover medical expenses, passport loss, baggage loss, baggage delay, dental expenses, etc. Check with the travel insurance company to know all that is covered.
- Can I get treated for an illness I already have? Most travel insurance doesn’t cover pre-existing.
No, travel insurance doesn’t cover pre-existing diseases. Travel insurance plans have an automatic exclusion for pre-existing diseases.
- Can I amend my Group Travel Insurance?
Yes. Before your trip starts, you can make changes in your plan as much as you want.
- Am I required to carry any additional documents to prove my purchase when
I am traveling?
No, you do not need to carry any additional documents to prove that you have taken a travel insurance.
- Am I still covered by Group Travel Insurance if I catch a connecting flight to a different destination?
Yes, you will be covered under missed flight connection
You can purchase travel insurance while booking your flight through Lainofare or book via phone.
