PTIC India – Your Companion in Achieving Your Travel Aspirations!
Overseas travel insurance is a crucial safeguard against various risks encountered during your travels. It covers medical expenses, lost baggage, flight cancellations, and other adversities that travelers may face. Typically, Overseas Medical Insurance is procured from the time of departure until the traveler’s return to India. Acquiring Overseas Medical Insurance ensures comprehensive coverage in case of emergencies while exploring other countries. While options like Bharat Bhraman & E Travel offer travel insurance for domestic trips within India, it is predominantly favored for international travel.
Why You Need PTIC Travel Insurance
Traveling can be exciting and fun, but it can also be dangerous, even with proper planning. Overseas Medical Insurance ensures a safe vacation with numerous benefits. If you encounter medical issues, accidents, or theft-related risks during your vacation, your Overseas Medical Insurance coverage will cover all of your expenses or losses. It covers emergency medical bills, unintentional bodily injury, baggage loss, trip cancellation or delay, and emergency cash in the event that your travel funds are stolen.
Types of travel insurance plans
Travel accident insurance
This policy covers you and your family from term life and accidental death and dismemberment. It includes unanticipated and unexpected losses resulting from travel or flying mishaps. Additional emergency aid benefits may include baggage loss, evacuations, medical and dental bills, pre-existing medical issues, and repatriation. The benefits are valid while on an insured trip or throughout the coverage term. This type of travel insurance is suitable for frequent international travelers, especially those who visit dangerous areas.
Travel medical insurance:
When you go abroad, your regular health insurance won’t cover you, but travel medical insurance will. It covers medical, dental, and evacuation charges while you’re on the road. This insurance is inexpensive as it excludes many additional costs, such as trip cancellations. Some plans, however, include payments for delayed or lost baggage and delayed travels. Travel medical insurance is typically available for a single trip or multiple trips over a set period
Package travel insurance
Package travel insurance is significantly more comprehensive than travel accident, evacuation, and medical insurance plans, making it the most popular. Packages are tailored to the specific requirements of different types of travelers. Most plans cover evacuations, luggage issues, medical and dental bills, bringing kids home, and travel cancellations, delays, and interruptions. Some plans also cover adventure activities, credit card and passport services, identity theft aid, pet care, pre-existing medical issues, rental car collisions, roadside assistance, and sporting equipment
Annual and specialty travel insurance
Annual travel insurance is similar to package travel insurance but insures all your trips for the entire year rather than just one. Several of these plans are based on renewable energy. Specialty travel insurance covers specific components of a trip, including car rentals and term life insurance, in addition to the benefits you already have. This type of plan is ideal when you’re apprehensive about a specific danger. In general, travel medical insurance and package travel insurance are required to cover medical emergencies and trip cancellations. Because the specific features and coverage vary so much between plans and providers, reading the terms and conditions of each before purchasing travel insurance is essential.
What does travel insurance include?
- Illness Coverage: If you get sick unexpectedly, have an accident, or die while traveling, your insurance will cover you. This includes international vacations, business trips, educational trips, or family vacations.
- Luggage, Belongings, and Baggage Insurance: If you lose or misplace your luggage after checking in, you are fully covered.
- Coverage for Trip Cancellation and Inconvenience: You are compensated for all expenses incurred due to a trip delay from the airline’s end if it exceeds 12 hours.
- Medical, Accidental, and Financial Emergency Benefits: Coverage for loss or damage caused by natural disasters, medical bills, and any financial difficulties stemming from overseas employment. Includes coverage for permanent disability resulting from an accident while traveling or flying. Financial protection in the event of an unplanned financial shortage caused by theft or robbery.
- Flight Cancellations/Delays: If your connecting plane is delayed for more than three hours and you miss it, you will be reimbursed.
- Coverage for the Loss of a Passport or Other Key Travel Documents: Reimbursement of the costs of obtaining a new or duplicate passport.
- Third-Party Coverage: Compensation for a third party in the event that your involuntary activities cause someone’s death, injury, or property damage.
- Legal Protection: Your insurer will cover any legal liabilities that arise during your trip.
- Coverage for Repatriation: Medical expenses incurred due to an emergency evacuation to India for treatment. If the policyholder is hospitalized for more than a week and a family member who traveled to see you overseas was forced to return home, the cost of the same family member’s return flight is reimbursed.
- Death Cover: Covers the costs of cremation and transporting dead remains in the event of sudden death.
- Dental Coverage: If you need dental care as a result of an injury, you will be compensated.
- Coverage for Theft: Covers any loss or damage caused by a break-in at your home while you are away.
- Hijack Risk Cover: Covers the risk of kidnapping, including a distress allowance if the kidnapping lasts longer than 12 hours.
By understanding and selecting the right travel insurance, you can ensure a worry-free and enjoyable journey. Choose PTIC India for comprehensive travel insurance that protects you and your loved ones every step of the way.