Traveling abroad is exciting, but it also comes with risks—from medical emergencies to flight cancellations and lost baggage. That’s where travel insurance becomes a lifesaver. Having the right coverage ensures peace of mind while you enjoy your international trip. Here are the top travel insurance tips you should keep in mind before heading overseas in 2025.
1. Understand What Travel Insurance Covers
Most international travel insurance policies cover:
Medical emergencies and hospitalization abroad
Trip cancellations or delays
Lost or delayed baggage
Passport and document loss
Emergency evacuation and repatriation
2. Choose Coverage Based on Destination
Europe/USA: Higher medical costs mean you need higher coverage.
Asia/Other Regions: Coverage can be moderate but still essential.
Always check the medical expense limits of your policy.
3. Check COVID-19 and Health-Related Inclusions
Many insurers now include COVID-19 coverage for treatment, quarantine, and trip cancellation. Ensure your policy covers pandemic-related issues.
4. Compare Policies Before Buying
Don’t pick the cheapest option. Compare:
Medical coverage limit
Baggage and trip delay benefits
Claim process and settlement ratio
24/7 assistance availability
5. Declare Pre-Existing Medical Conditions
Always disclose your health conditions. Non-disclosure could lead to claim rejection later.
6. Opt for Add-On Covers if Needed
Some useful add-ons include:
Adventure sports coverage (for skiing, diving, trekking)
Business travel insurance (for laptops, equipment)
Senior citizen coverage (for travelers above 60 years)
7. Keep Digital and Physical Copies
Carry both hard copies and digital copies of your travel insurance documents. Share a copy with family members for emergencies.
8. Know the Claim Process Beforehand
Familiarize yourself with:
Helpline numbers
Claim documents required
Emergency hospitalization procedure
Conclusion:
When planning an international trip, travel insurance is not an expense but an essential safeguard. By choosing the right policy, checking inclusions, and knowing the claim process, you can ensure stress-free travel and focus on creating memories abroad.
FAQ :
Q1: Is travel insurance mandatory for international trips?
Yes, many countries, especially in Europe (Schengen), require travel insurance for visa approval.
Q2: What is the ideal travel insurance coverage amount?
At least USD 50,000–100,000, depending on your destination.
Q3: Does travel insurance cover missed flights?
Yes, many policies cover missed or delayed flights under certain conditions.
Q4: Can I buy travel insurance after booking tickets?
Yes, but it’s best to buy it immediately to get trip cancellation benefits.
Q5: Does travel insurance cover lost passport abroad?
Yes, policies typically cover the cost of reissuing passports and related expenses.
Published on : 4th September
Published by : SMITA
www.vizzve.com || www.vizzveservices.com
Follow us on social media: Facebook || Linkedin || Instagram
🛡 Powered by Vizzve Financial
RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed
https://play.google.com/store/apps/details?id=com.vizzve_micro_seva&pcampaignid=web_share