Coverages and Benefits

Coverages in Travel Insurance vary from company to company, but in most cases the coverages remain same.

Some examples of coverages in Travel Insurance Policy are mentioned below:

Emergency Dental Care

This cover provides financial support if a traveler requires dental treatment.  The coverage is limited as it only includes tooth pain treatment, infection, removal of the affected tooth and emergency treatment of tooth/teeth in case of any accident.

Medical Expenses and Hospitalization Abroad

This cover provides financial support if a traveler becomes ill or gets injured, abroad.  The Insurance firm will take care of expenses related to hospitalization, surgery, medical fees, and medicines.  This does not cover illness that is pre-existing.

Travel of One Immediate Family Member

It provides necessary financial support to the immediate family member of the Insured to travel from home country to the destination country and hospitalized due to accident or illness for more than ten days.

Loss of Passport

This cover provides necessary financial support in the event of loss of the passport while visiting other country

Delay Departure

This cover provides necessary financial support to Insured whilst travelling abroad and the departure of the common carrier on which the Insured is travelling gets delayed by minimum 8 hours (see policy terms and conditions for further details).

Connection Services

In case the Insured during stay in foreign country required assistance of type that is covered in policy for obtaining services from the Assistance Company, he/she can avail services without any cost however, any other service required that is not covered under the policy shall be charged by the Assistance Company and its expense will be borne by the Insured.

Delivery of Medication

It is a service where essential prescription medications are sourced and delivered to the insured person at his place abroad especially if those medicines are lost, forgotten, or unavailable locally.  The cost of medicines are not covered only arrangement and delivery services are provided.