Getting travel insurance before heading for a vacation abroad is indeed a wise move. It provides you and your family, the medical and financial assistance in case of sudden illness or an accident, passport loss or delay in checked baggage etc. while you are on vacation.

But, what if a person is struck in a condition due to a pre-existing disease? Will his hospital bills be paid by the insurer? In most cases, it won’t as travel insurance usually doesn’t cover pre-existing conditions for the reason that, from an insurer’s point of view, you are a bigger risk as you are more likely to need medical treatment while travelling abroad.

However, there are a few insurance companies in India that include pre-existing diseases in their travel insurance plan. But for this, you may need to undergo a medical assessment and pay an extra premium for medical travel insurance.

Also, most companies give customers a privilege to include just one pre-existing illness provided this illness doesn’t and has not required hospitalization in the last 5 years. Some travel insurance policies will also cover pre-existing conditions if you buy coverage within a short time after booking your travel. It's worth doing some research to find such policies.

Oftentimes, insurance companies completely refuse all medical coverage owing to some pre-existing medical conditions. This will vary by insurer, but include conditions such as incurable illness, being an organ donation inheritor and other such conditions. Such people may not be able to travel securely by receiving affordable medical treatment for any condition at all. When a medical cover is rejected by the insurer, the other provisions of the travel insurance policy still apply.

If you have a life-threatening illness, it may get included in your travel insurance policy, but you need to check with your insurer before you purchase the policy. Also, when buying a travel insurance plan, you must be aware of the loopholes with which your insurer can reject your claim in future. If the purpose of your travel is seeking medical treatment abroad, you won’t be covered. Travel insurance also doesn’t cover war injuries, suicide and hospitalization due to a risky sport.

HDFCEGRO, one of the most trusted names in providing travel insurances, enables you to enjoy and explore new destinations with its wide range of travel insurance plans that cover both business and leisure travel. The travel insurance policy from HDFC ERGO will best suit your travelling purpose and is available at a cost that is easy-on-pocket too. So why wait? Buy travel insurance plan now and enjoy your travelling abroad without worries! 

While planning a trip abroad, overseas travel insurances are never on the priority list. However, have you even wondered what if your return flight gets canceled and you are left stranded at the airport? What will you do if you met with an accident while travelling abroad? Will you have enough cash to pay for hotel accommodation or to the hospital to get the best medical care services in the international country?

These are some of the questions that are equally important to consider apart from deciding on what all places you would be travelling or what you will be wearing during your trip. Thus, to cover you from uninvited health hazards and unanticipated situations, it is good to buy a travel insurance policy quickly.

Why is travel cover important?

• Travel insurance cover the high cost of medical treatment. In case you few ill and require immediate medical attention while travelling abroad, travel covers guard you from the entire hospitalization cost.

• Much insurance may also provide cover in case your flight gets delayed or cancelled or you yourself cancel a flight in an emergency. It also covers your expenses when the train gets delayed due to severe weather.

• Many insurers also cover the cost of stolen or lost belongings, especially the passport or the jewelry while travelling.

• They also offer 24*7 free telephone assistance worldwide, to help you in some unforeseen situations.

Where to buy travel insurance?

Buying a travel insurance plan online is a simple procedure. All you need to do is to choose the appropriate cover according to your preferences and make payments via credit/debit cards or net banking.

To begin the process of purchasing travel insurance online, you can visit websites of any general insurance company like HDFC ERGO or websites of IRDA approved web aggregators. You can also buy policy from travel agents or the websites from where you want to book the ticket but the travel agents only offer standard policies that may be low priced and do not provide adequate cover.

The cost of travel insurance policies

Travel policies for short duration are less expensive as compared to one which offer cover for longer period of time. In short term travel insurance, you can cover four family members (not below age of 40) travelling for a week at approx. INR 1800/- the cost therefore escalates if the age of the traveler is high and there are multiple destinations to travel.

Now days, the insurance companies offer different policies to travel within Asia or to travel overseas, therefore allowing you to choose the one that suits your preferences.

Strategically speaking, while travelling you are more prone to accidents, no matter whether to take all the safety precautions, dress accordingly or stay alert, thus, to guard you from all the hazards, travel insurances play a bigger role.

There are quite a lot of insurance companies offering travel covers online, so it would be wise to look into all the aspects and then pay for the insurance. Always choose a policy that offers cashless claim settlement. Make sure that the expenses must be reimbursed if there is a trip delay (more than 12 hours) and check the extent of cover provided for checked-in luggage.

If due to any situation, your trip gets cancelled or you may have a bad experience, travel insurance policies will ensure that you don’t have to take the load to added bills.

Travel insurance providers in India are growing at a brisk rate, making buyers confused about which travel policy to buy. However, a majority of them prefers buying a travel insurance plan from a globally known brand. For a global brand offers facilities like no other on Earth. Read this article to understand why this customer behavioral pattern is becoming a trend. 

 

Here are the top 5 reasons why most insurance buyers prefer a global travel insurance policy.

#1. Reputation Assures Credibility-

A widely popular brand stands for a sign of quality. This quality of service that earns reputation for a brand and make it a household name globally. When a traveler invests in a travel insurance plan, all they want is benefits during the hour of need. International brands live up to the expectations of a traveler and offer them what they need at the right time. This is why most insurance buyers invest in a brand present globally without giving it a second thought.

#2.Access  Advantage-

International brands run their business and strengthen their network world over in order to give travelers an easy access to their customers support centers as and when required. Furthermore, they are omnipresent to extend support for their loyal buyers if they fall sick or meet an accident while traveling. In case of death while traveling, traveler insurance brands help bring the corpse home from anywhere in the world.

#3. Validity Globally-

A global travel insurance is valid anywhere in the world. Generally, a local travel plan covers a traveler only at the destinations previously selected by him or her. Next time when a traveler takes a tour to some other place, they simply notify the insurer which becomes a strenuous job on takes of an avid traveler. With a global validity, traveler are free go anywhere with full cover and complete peace of mind.

#4. No Extra Premium-

 

You pay almost the same amount of premium to a global brand. No extra expenses incur. This is why choosing, this is smart and people never miss it out. Moreover, when it comes to buying an insurance cover, investors or smart travelers focus more on the benefits; not the  on the premium. This is one of the best practices and investors all over the world follow this.

#5. Cashless and Reimbursement- Whichever is better

To facilitate complete cover while traveling, global brands offer both cashless and reimbursement. Both of these make the claim settlement process much easier and less time taking. This is how one can simply stay covered and fetch ROI from their investments in insurance. With less complicated claim settlement and timely delivery of benefits, travel is a bliss.

Drawing A Conclusion-

Trusting any and every local insurance brand is a no-brainer. What's more significant is the quality of services they offer. On the other hand, choosing a global brand makes sure that the traveler gets all what has been promised before the purchase transaction take place.

With a worldwide presence, brands understand the global situations well and thereby design packages that suit traveling for any purpose. This is why choosing a global travel insurance company is always a safe game.

Traveling within the country or to various destinations across the globe needs a lot of planning and money too. But, the most important issue in a trip happens to be the safety of the person traveling to different places, as he/she comes across various unforeseen situations on a trip. If any sudden and major health crisis occurs in these situations, money surfaces as the prime issue regarding all medical expenses and expenditure of hospitalization. In order to meet the financial needs of a person in such emergencies, HDFC ERGO the Best travel insurance company in India offers the most cost-effective and flexible plans for travelers insurance.

Travelers insurance plans from HDFC ERGO, one of the top travel insurance companies in India, offer monetary, medical and other associated help to the policy holder and his/her family for the international trips.  The purpose of the international trip may be a business or leisure, the HDFC ERGO travel insurance company provides complete coverage for all expenses, losses and damages that arise out of unexpected emergency situations in an international trip. Loss of checked baggage or late arrival of checked baggage – even issues like these are also taken care of by the travel insurance plans of HDFC ERGO.

The travel insurance plans offered by HDFC ERGO with different options for Sum Insured, include-

• Single Trip Plan
• Multiple Trip Plan
• Asia Plan
• Family Floater Plan

Certain facts about travel insurance from HDFC ERGO, one of the leading travel insurance companies -

• Submission of health records is mandatory for all trips
• Submission of the medical reports are needed for – ECG (not with tracing), Blood Sugar(Fasting and PP), Echo Cardiography and Ultra-Sonography
• Submission of doctor’s fitness certificate with prior medical history and report of previous major illness is necessary
• Sum Insured limits to 10,000 US Dollars in circumstances of non-submission of medical reports for all travel insurance plans
• The age limit for the HDFC ERGO travel insurance policy is 6 months to 70 years
• Health check-up is not required for buying the policy
• A short trip of only 1 to 4 days is also provided coverage
• People employed in India and drawing their salaries in Indian currency can avail the coverage
• Extension of policies is valid to a period of 180 days
• The policy does not offer coverage for prior illnesses
• Medical costs cover ambulance facility
• Claims for both late arrival and loss of baggage are not entertained simultaneously

An all-inclusive Student Suraksha is provided to the all the people studying abroad by HDFC ERGO travel insurance company.
For students living in abroad for academic reasons can extend their policy with the same amount of sum insured if-

• The Sum Insured has not been increased
• The actual period of policy has not over
• Fitness certificate is submitted by the policy holder
• No claim has been made during the policy period
• Extension is available for a single time
• Prior to the activation of the extension period the insured deposits the premium for the extension period
• The extension period in addition to the actual policy period does not cross the period of 2 years

Many people are not worried about the travel insurance while finalizing travel policies. Travelling outside will surely gives you and your family pleasure and excitement, but there are few things which should be taken care on serious notes. It is necessary to find perfect travel insurance quotes before you are planning your international trip.

If you are planning to go on an international trip with your family or love ones, it will surely make your trip memorable. Every individual need a break from daily hectic schedule and when they plan an international trip, it give more fun and happiness. But there is no trip which comes without any risk or problems that is why now a day’s travelers plan to take travel insurance cover. There are many reliable sources where you can search perfect travel insurance quotes and in just a simple and easy way.

The tempting and alluring feature of travel insurance cover is that it has a benefit of interruption and cancellation. It means if something happens and you want to cancel or interrupt you travel insurance quotes then you can easily reimbursed you travel policy. Other best part of travel insurance is that if you lost your luggage it is insurance company duty to get your luggage back and accidentally traveler need any medication during the trip, it will quoted in the travel insurance cover that they will cost for it.

To search perfect travel insurance, it is essential to decide your travel destination according to those insurance companies offers you suitable plans. The popular plan selected by the traveller is standard plan which gives $ 100,000 medical insurance and there are many other things which are covered under standard plan such as terrorism coverage, 24 hours services and many more.

If you are a students, senior citizen or any other special mission then there are plenty of travel insurance plans which will surely help you to keep safe and secure. Everything depends on the traveller’s choice whether they are opting cheap travel insurance or high. There are many popular websites which gives all the necessary information to the traveller, on the website you will find travel quotes with the terms and conditions. All you need to do is that, read terms and conditions carefully and compare three-four other travel insurances and their quotes. By which you will get a clear idea which policy is beneficial for you.

To take travel insurance policy is necessary for everyone who is traveling out of the country; it gives them safe and security in the difficult times. One small mistake can bring sorrow to your life, so it is advisable do not take any kind of silly risk which brings sadness to your memorable trip even you can take advice from the experts also who will guide you in the right direction.

HDFC ERGO is one of the renowned and eminent insurance company who offer attractive and affordable travel insurance cover policies to the customers.