What Is Travel Insurance?
Let’s get you started on your travel insurance journey!
Picture this – you’re about to set off on an exciting holiday. You’ve got your travel visa, your tickets, hotel bookings and everything else in order. You land at your destination and find that your luggage has been misplaced. Or worse, you’re the victim of theft and you are left in a foreign country without your passport or any cash! Dealing with these situations can be expensive and difficult – especially if you’re in a country where you don’t speak the language. But that’s precisely why travel insurance is so crucial!
Travel insurance is a unique product that offers you financial help in case something were to go wrong while you’re travelling. It covers a range of scenarios, including medical and dental emergencies, theft of your money or passport loss, flight cancellation and misplaced or lost luggage.
Features Of Happiness car rental Travel Insurance
Baggage Covers
Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:
Delayed Baggage Almost everybody has a story about a time when they travelled and their luggage was accidentally sent elsewhere or unnecessarily delayed. If this happens and you have our travel insurance policy, you can rest easy. Your travel insurance plan will help cover the cost of any necessary personal items that you need to purchase until your bag can reach you.
Lost Baggage Having your baggage delayed is one thing, but if your bag is lost or stolen, managing the situation can be incredibly difficult. Luckily, our travel insurance policy can help you deal with this issue. Depending on the travel insurance policy terms, we will help reimburse you for the items in your luggage.
Journey Covers
A delayed or cancelled flight could wreak havoc on your itinerary. We cannot make up for lost time, but these covers will help you deal with the financial loss.
Lost Passport Obtaining a new passport in a foreign country isn’t always easy. Your international travel insurance policy will help you with the necessary and reasonable expenses that are attached to getting a new passport made.
Assistance While Travelling If things go a bit wrong when you’re out of the city, you may need some assistance. Our travel insurance plan will help provide you with all necessary assistance required, right from legal help to getting lost luggage and passports replaced. Our travel policy will even help with emergency travel services, cash transfers and advances.
Personal Liability Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling. It’s important to remember that the travel policy will not cover your family members or individuals who live with you.
Hijack Help Our travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.
Delayed Flights Bad weather or a local strike could delay your flight by more than 12 hours. If this is the case, you might have to book another night’s stay at a hotel or incur some other additional expenses. Our travel insurance policy will help you take care of these expenses if your flight happens to be delayed.
Policy Extension Your travel insurance policy term often depends on the length of your trip. But, there are certain situations in which your flight may be cancelled or delayed for several days. We will automatically extend the term of cover of our travel insurance policy for seven days in case your flight is cancelled or delayed and you don’t have any other travel options available.
Trip Curtailment or Cancellation In case there’s an emergency and you have to travel back or cancel your entire trip, don’t worry. Our travel insurance plan will reimburse you for any unused, non-refundable hotel and travel expenses.
Medical Covers
We can’t think of anything worse than having to get emergency medical treatment while you’re on holiday. Luckily, our travel insurance plans come with a medical cover for international travel as a result they are also known as Travel Medical Insurance due to the extensive medical coverage provided by them.
Medical Emergencies Your travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re travelling. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.
Medical Evacuation Your travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, the travel insurance policy will look after that as well.
Accidental Death and Repatriation We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s travel insurance policy will provide your nominee with the full sum insured amount if this happens. We will also take care of the cost of repatriating the insured individual’s remains back to their city of residence.
Compassionate Visit If you need somebody to help you out when you’re in hospital, we’ll provide a two-way ticket for a family member to come and take care of you.
Interruption of Study If you’ve purchased a student travel insurance policy, this is especially for you. If have to interrupt your education because you or a family member are ill, we’ll reimburse you any unused tuition fee.
*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.
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