Travel insurance is one of the prime things to purchase for your trip. No matter what is the reason or duration of your trip, travel insurance is a must have! We at Tripbeam provide our customers with the comfort of purchasing travel insurance from India to the USA along with the flight tickets booking.
As we realized through the customer interactions, people had a lot of misconceptions about what really travel insurance is!! We here want to address many of the questions, concerns, and misconceptions that have stacked over the years.
Here we answer 7 common questions regarding travel insurance that are the supreme points of confusion on this subject!
What Exactly Travel Insurance Is?
It’s the emergency case when few things go unexpectedly wrong! Depending upon the plan you purchase, it can be present for when your carry-on luggage is misplaced by the airline when you fall trekking, get parasite overseas or need to cut short or cancel your trip! It is sketched to be there for you in any accidents or unexpected events you did not think could happen. It is certainly not a substitute for the health insurance back home, an open pay-book to supplement the trip expenses or gives you license to be foolish!
Is Travel Insurance Just The Health Insurance?
Nope, it is certainly just more than the health insurance! While there is the medical component of unforeseen illness or the accidental injuries, it can also screen you for the trip cancellations, interruptions, theft or loss of your gear and any emergency transportation you need to reach the nearest hospital fast!
Can I Be Treated For An Illness I already Possess?
A Majority of travel insurance plans do not cover the pre-existing circumstances. If you fall ill on road, yup, travel insurance is at your service, but if you need some kind of medication for already existing chronic disease or any type of medical condition you are suffering from, you could be out of your luck! Most insurers will take into consideration your illness a pre-existing circumstance and would not cover it under the new travel insurance policy.
Alright, it is Like the Health Insurance too? Can I visit a Doctor When I want to?
You should get your facts right that travel insurance is not the replacement for the health insurance and shouldn’t be treated as such! It is your first friend during unexpected mishaps. Pop an eardrum? Broke a leg? Got food poisoning? Travel Insurance has all screened! Want to visit the doctor for physical or to get an all-new crown for your tooth? You are on your own pal!!
How does This Insurance Actually Work? Do They Mail us any Card to Show The Doctor?
If there is any sort of major emergency, overnight hospitalization or emergency, you or someone else would get in touch with the team of emergency assistance and they can assist in making arrangements and approval costs. For all other circumstances, like day of admission to the hospital, you are required to claim the reimbursements from the insurer. You initially pay out of your pocket and then deposit the documentation to the respective insurance company! Do keep your documents handy, companies do not reimburse based on your words.
Does Travel Insurance Protect me In My Home Country?
This thing can’t be generalized for each and every type of travel insurance plans. Some travel insurance plans also cover you at home, some do not. It solely depends on your plan, and there are always prerequisite circumstances on when the coverage starts and when it ends, also, where you can travel, so it is advised to check the terms of the policy beforehand!
My Credit Card Claims to Offer Some Protection. Isn’t that enough?
Credit cards, even the major ones are restrained to offer a limited amount of protection. Few of the major cards do reimburse for luggage mishandling, small medical expenses or trip cancellation if you entirely paid from that card exclusively. However, if they do screen something, the cover limit may be limited to a small extent and you may be shocked to see the price difference!
So seek out for the cheap travel insurance from India to the USA for the expensive coverage and make your voyage secured and hassle-free!