Travel Insurance for couples travelling abroad is a must!

Travel insurance is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling; either within one's own country, or internationally. Temporary travel insurance is usually arranged at the time of booking the trip; to cover the exact duration of the trip, or a ’multi-trip’ policy can cover an unlimited number of trips within a set time frame. Overseas Travel insurance might seem like an extra expense when you have spent a large amount of money in congruent with your dream holiday., However, if something goes wrong on your trip, you can get financially insured with the help of an insurance cover. One of the important things to remember is that you need to buy adequate cover while travelling abroad. Simply buying a cheap policy is not a good idea. Another thing to keep in mind while buying your travel insurance is to carefully read the exclusions from the policy and ensures that the policy that you purchase covers all the activities that your family plans to undertake while abroad. If your family regularly travels abroad then a multi-trip annual insurance policy is something you should opt for. It covers multiple trips abroad to multiple destinations and ensures that you do not have to acquire a different policy every time you travel abroad. These policies generally have a term of one year and can be customized to suit your various needs. The policy offers to compensate you for facilities like cashless hospitalization, expenses due to loss of passport, loss of checked-in baggage, delayed and cancelled trips. In addition to this, other things like medical evacuation, hospitalization abroad and travel expenses for a family member to fly abroad are also covered. The policy also reimburses expenses towards emergency medical evacuation to India. Travel Policies also cover dental expenses incurred by you while you are abroad. In case of an accident, travel policies cover death or permanent disability. They also provide compensation for death or permanent disability due to an accident on any flight, ship or road transport abroad. These policies also offer compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by you. If you are the victim of theft, then the policy assures that they will arrange for you to receive emergency cash. An important feature that travel policies provide is insurance against any theft at your residence while you are abroad. In case of hijack, a special distress allowance is paid to the members covered under the policy. In addition to these, compensation for lost baggage, lost passports, missed connections are a standard feature. These policies can be availed by families and couples.