Understanding Travel Insurance and Why You Need It

Overview

Frequently Asked Questions

It covers emergency medical expenses, emergency evacuation, trip cancellation, flight delays, lost or delayed baggage, and loss of passport.
It is mandatory for entering Schengen countries (Europe) and certain others, but highly recommended for all overseas travel.
A document issued by airlines at the baggage counter confirming your luggage is delayed or lost, required to claim insurance payouts.
Notify your insurer within 24 hours of the incident, submit the claim form along with receipts, doctor reports, or airline certificates, and wait for verification.
Standard policies usually exclude adventure sports like skydiving or scuba diving. You must buy a special adventure rider cover for these activities.
Reimburses your non-refundable booking costs (flights, hotels) if you must cancel your trip due to death, severe illness, or natural disasters.
No, travel insurance must be purchased before you leave your home country to cover the entire travel duration.
The insurer pays the hospital bill directly, provided the hospital is in their network and you notify the insurance helpline before treatment.
Most standard travel policies exclude pre-existing conditions unless you purchase a premium policy that explicitly covers them.
It is very cheap, usually costing between 1% and 3% of your total trip cost depending on the destination and age of the traveler.

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