Common Coverage In Overseas Travel Insurance
Although travel insurance plans from different companies may offer different coverage/benefits, there are some features which are common to almost all.
Some of these are:
-Emergency medical expenses: Medical Expense Coverage will cover you for accidents and emergency medical and dental care when you travel abroad. Overseas Travel Insurance plans cover outpatient, in-patient, medical aid, therapies and diagnostic tests costs incurred due to illness or accident.
-Total Loss of baggage & personal documents: Coverage for lost baggage or loss of personal documents such as passport and other relevant documents. The benefit limits vary per plan, so if this coverage is important you, choose a plan with an adequate benefit amount. If your luggage is lost at any point during your trip, you may have to prove to the company that the items listed on your claim were indeed in your luggage. While clothes and toiletries will be a common claim item, you may want to take pictures and have receipts for specific items with which you are traveling. Also, make sure that you file a report with the proper authorities, such as your airline or the police. This may be required in order to receive reimbursement for a lost or stolen luggage.
-Delay of Checked In Baggage: Compensation for reasonable expenses incurred for the purchase of toiletries, clothing and medication due to delay of checked-in baggage for more than 12 hours/24 hours.
-Trip Cancellation & Interruption Coverage: Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart for reasons specified in the policy terms and conditions and up to the limits specified in the policy document.
Some of the covered reasons to cancel your trip include sickness, injury, or death of you, a family member, or a traveling companion; Earthquake, Storm, Flood, inundation, cyclone, tempest Terrorist incident in your destination city.
-Personal Liability: Compensation of damages to be paid to a third party, resulting from death, injury or damage to health or property caused involuntarily by the insured.
A few other benefits covered under international travel insurance policy : Personal Accident, Personal Accident(Common Carrier), Hospital Cash, Emergency, Medical Evacuation, Repatriation, Loss of Checked Baggage, Financial Emergency Assistance, Hijack Distress Allowance and Contingency Travel Benefit.
While these are some common coverages offered in overseas travel insurance plans, they are not the only ones you should review. The entire plan is important. Many comprehensive plans have unique benefits that may help cover your specific travel needs.