Before getting involved into above question we come to know what is Travel Insurance “is an insurance tried to cover the medical expenses, flight accident, lost luggage, trip cancellation and other losses incurred while traveling either domestically or internationally” as definition is showing the basic criteria covered by the travel insurance now we will discuss it in detail.
Lost Luggage and Delayed Flights
According to the travel insurance policy luggage will be provided to you as compensate of lost luggage. The money will be given to you for basic needs before the luggage availability. It provides you the reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or meal at a restaurant.
Criteria of the coverage vary from insurer to insurer but medical services are provided by each and every insurer. Medical services cover the medical emergency expenses while you are on your trip, trip cancellation or trip interruption. It covers non-refundable trip costs if you cannot travel due to illness. It also provides you the medical services if you are sick during the trip and have a responsibility to return your home.
It covers the cost of getting you to a place where you can receive appropriate medical treatment in the event of an emergency. In a worst-case scenario, this can mean a medically equipped — and incredibly expensive – private jet. This is usually not covered by your regular medical insurance plan back home. Sometimes this coverage can get you home after an accident, but more often, it’ll just get you as far as the nearest major hospital so it may be worth buying if you’re planning an adventure in a remote area. “Medical repatriation” that is, getting you all the way home is likely to be covered only if it’s considered medically necessary.
Before purchasing a policy, ask your insurer to explain what exactly what’s covered before and after you get to the hospital.
Keep in mind that medical and evacuation insurance may not cover you if you’re participating in an activity your insurer considers to be dangerous (such as skydiving, mountain climbing, bungee jumping, scuba diving, or even skiing). Some companies sell supplementary adventure-sports coverage.
Phone Assistance 24/7 Worldwide
This is about lifeline to call when something happens. This service is more important when you have a medical emergency.
- Locate the nearest adequate hospital if needed
- Organize medical transportation
- Arrange for treatment and overcome any language barriers
- Organize transportation home
- Replace prescriptions in an emergency
In addition, non-medical assistance may include:
- Lost baggage search; stolen luggage replacement assistance
- Lost passport/travel documents assistance
- Travel information including visa/passport requirements
- Emergency telephone interpretation assistance
Services vary from insurer to insurer but above-explained services are provided by every insurer because these are the very basic and complete the definition of travel insurance. Some areas are covered by some insurers but some not focus on them, for example, life insurance, identity theft, rental car collision and hazardous sports.