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Thursday, November 30, 2023

The Basics of Travel Insurance: What It Covers And Why You Need It?

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Travelling can be an exciting and enriching experience, but it’s important to remember that unexpected events can occur while on the road. That’s where travel coverage comes in – it’s a type of insurance policy that can provide coverage for various situations that arise while you’re away from home. 

This article discusses the basics of travel insurance, including its features, coverage and need. 

What is Travel Insurance?

A travel insurance plan is insurance that can protect you when travelling. It can help cover unexpected things that might happen while you’re away from home, like getting sick or injured, losing your luggage, or cancelling your trip. You can buy travel coverage for just one trip or many trips over time. Different travel insurance plans cover different things, so it’s important to read the details carefully and choose a plan that will protect you the best.

Features of Travel Insurance

Travel insurance can offer a variety of features depending on the provider and specific plan. Here are some key features that you may find in a travel coverage policy:

1. Adventure Sports Coverage

Some travel coverage plans offer coverage for adventure sports, such as skiing or bungee jumping.

2. Trip Cancellation 

Suppose you have to cancel or cut short your trip due to unforeseen circumstances, such as illness or death in the family. In that case, travel coverage can reimburse you for non-refundable expenses, such as airfare or hotel reservations.

3. Protection from Burglary 

If a policyholder’s home contents are lost or damaged while they are away travelling, this policy will provide coverage. If a burglary occurs while the policyholder is on a trip, they can be reimbursed for any losses or damages to their belongings.

4. Unfortunate Experiences 

While the chances of experiencing a hijack during travel are very low, some insurance companies offer a “distress allowance” as a precautionary measure. This allowance is intended to help individuals deal with the financial and emotional stress of being involved in a hijack situation, should it occur.

Understanding the Coverage Under Travel Insurance

Travel insurance can cover many situations that may occur while you’re travelling. Here are some common areas that travel coverage can provide coverage for:

1. Emergency Medical Expenses

Travel Coverage can cover your medical expenses, including hospitalisation, doctor visits, and medication if you get sick or injured while travelling.

2. Medical Evacuation

Travel Coverage can cover the cost if you require emergency medical evacuation, such as being airlifted to a hospital.

3. Lost, Stolen, or Delayed Baggage

Travel Coverage can reimburse the cost of replacing essential items if your luggage is lost, stolen, or delayed.

4. Trip Delay or Missed Connection

Travel Coverage can reimburse expenses such as meals and accommodation if your flight is delayed or you miss your connecting flight due to circumstances outside your control.

5. Personal Liability

Travel Coverage can cover legal expenses or compensation if you cause accidental damage or injury to someone or their property.

Why do you Need Travel Insurance?

Travel coverage provides a safety net when unexpected events occur while travelling.

1. Protect your Investment

Travel can be expensive, and if you have to cancel or cut short your trip due to unforeseen circumstances, such as illness or a family emergency, you could lose money on non-refundable expenses like airfare and hotel reservations. Travel coverage can provide reimbursement for these expenses.

2. Cover Medical Expenses

If you become sick or injured while travelling, medical expenses can add up quickly, especially if you require hospitalisation or medical evacuation. Travel coverage can help cover these expenses and provide peace of mind.

3. Peace of Mind

Knowing that you have travel coverage can help ease any worries or anxiety about unforeseen events during your trip. It can allow you to relax and enjoy your travels.

4. Assistance 

Some travel coverage policies offer assistance services, such as 24/7 emergency hotlines, that can help with medical emergencies or lost passports.

5. Mandatory Requirement

Some countries require visitors to have travel coverage as a mandatory requirement. It means that if you don’t have travel coverage when you arrive at the immigration counter, you may be denied entry into the country. Sometimes, visa applications may be rejected if travel coverage documentation is not provided.


Travel coverage is an essential part of travel. It provides coverage for various unexpected situations that can occur during a trip, such as medical emergencies, trip cancellations, and lost or stolen belongings. If you’re looking for the best travel insurance, consider Niva Bupa Health Insurance. With their travel coverage, you can travel with peace of mind knowing that you are protected in case of unexpected events.

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