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Do you really need an Overseas Travel Insurance Policy when going abroad?

Do you really need an Overseas Travel Insurance Policy when going abroad?

When you are taking a picture with the leaning tower of Pisa, you should not have to worry about what will happen in case the tower falls on you. The chances of that happening are unlikely but safety is not something that should be taken for granted. When you are travelling across China and to satiate the adventure seeker in you, you eat the weird looking street food, ever wondered who will take care in case something happens? This is where some planning and common sense come into play. No international trip should be undertaken without having a safety jacket to protect you from. This safety jacket in other terms is known as overseas travel insurance

There are different kinds of trips. People go for leisure, business or medical reasons. Apart from this a lot of students also go to international countries to study in big universities and get an international degree. While a travel insurance plan is optional for other kinds of travel, depending upon the place you are going to, it is an absolute mandate for students going to study. Travel insurance for students going to USA is a must because all the universities have made it a necessity in order for your admission to be complete. For other traveler, this insurance is optional but it all depends on the place. For someone looking to travel to any of the twenty six countries that form a part of the Schengen area then a travel insurance plan is necessary because without that you will not be apply to apply for your Schengen visa. There are other places also that have made having an insurance policy an absolute requirement. 

One of the biggest advantages of having travel insurance policy is the twenty four hour support that you get from your dedicated travel agent back home. Often language can prove to be a barrier in foreign land and you might not be able to explain the crisis to anyone, but having a helpline number gives peace of mind and also helps you get the necessary aid that you require. 

Medical expenses in most of the countries are extremely expensive. A small injury can end up costing you a small fortune. For example in the United States of America, all medical care is private. Even to get doctors consultation is extremely expensive and can end up burning a hole in your pocket. One of the prime reasons of getting travel insurance is the coverage that it provides against medical emergencies. This probably covers up the highest expenses that one can face. 

Apart from this there are other reasons for which having a travel insurance plan can prove to be a boon:

  • Loss of travel documents – when an important travel document like your passport is lost then the insurance company will take up the hassle of getting a new one. 
  • Loss, theft or damage of luggage – if for some reason you do not have your luggage with you while in foreign land, the company will provide financial relief and make sure you are not left without clothes and other necessities. 
  • Flight cancellation or delay – due to natural climate and other calamities flights might have to be cancelled or delayed. The insurance company will take it upon them to make sure to get you where you need to be. 

Apart from this there are other benefits also. Plans usually differ from company to company and it is advisable to go through the fine print before selecting one that is best for you. 

Travel

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