International medical travel insurance is controversial. Some think international travel insurance is unnecessary because they won’t use it. Even if one is careful, an emergency can happen anytime and anywhere. Thus, one must pay for emergencies out of pocket, which can be stressful. International travel insurance from India is often dismissed due to a number of myths. We debunk each myth below.
My trip will be totally safe.
It’s good to be optimistic, but without Indian international travel insurance, it’s a risk. Even though the assumption is mostly valid, you cannot rule out the possibility of needing emergency medical services, medical evacuation, or trip cancellation reimbursement. To be safe, buy medical travel insurance to the US or other countries. It’s better to spend a little on insurance than to regret not having it in an emergency.
Domestic life and health insurance will cover travel
Most people think their life and health insurance cover them abroad. This is technically correct, but it is not a good backup plan for emergencies where domestic insurance may have a cap on expensive medical treatment abroad.
Travellers to the US or other countries must buy medical travel insurance coverage to protect their interests. Domestic insurance may expire, leaving one unprotected without Indian travel insurance. Emergency expenses abroad may drain your wallet.
Travel insurance claims are too complicated.
International medical travel insurance claim processes are complicated, another myth. Like other insurance, one must notify the insurer immediately in an emergency. Because the insurer can help the policyholder through their difficult time, reporting claims while travelling is critical. One can call an insurance company representative.
If there are last-minute ticket cancellations or baggage losses, contact the online travel insurance company. Once informed, the insurer can start working on an alternative plan or speed up airline negotiations. If a medical emergency requires hospitalisation, the policyholder can use the cashless claim process to save foreign currency for other travel expenses.
Only adventurers need online travel insurance.
An online travel insurance to the USA or other countries is essential for all travellers, regardless of whether they will participate in high-risk activities. Online travel insurance covers the basics and is practical. Other unforeseen events are also possible, so be sure to get insured.
I can book last-minute travel insurance.
Buying the right international travel insurance is easy, so you can put it off. Most people are unaware that international travel insurance increases visa chances. Online international travel insurance protects policyholders from the moment they buy it. If a work or family emergency arises before a trip, one must cancel all tickets and accommodations. International travel insurance allows ticket cancellation claims in such cases. Without annual international travel insurance, ticketing and lodging costs would have been lost.
Delays and cancellations will be handled by airlines
When the weather cancels all flights, you may miss a connecting flight. Airlines may put you on the next flight, but what about overnight stays and other costs? The travel insurance from India covers such situations and more, so you should get one. Insurance covers cancellation fees and helps you book new tickets.
All travel insurances are similar.
Most people think the best US-India travel insurance options are the same. Based on trips or travellers, there are many policies. To get a good deal, choose the coverage type that best fits your needs. There is something for everyone, and you can customise your plans by adding on plans. That way, you can ensure that whatever unforeseen events come your way, you can manage the situation with the proper coverage. So be sure to get insured before your trip and enjoy your holidays!
* Standard T&C Apply
** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.
# Visit the official website of IRDAI for further details.
## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.
